Average Rates for Home Insurance in Jensen Beach, Florida The only entity that can require homeowners insurance in Jensen Beach is a mortgage lender. Lenders require all borrowers to maintain a home insurance policy for the life of their loan to protect their investments. No law requires homeowners insurance. So, if you don’t have a mortgage, you don’t need to have insurance, although we still recommend keeping a policy just to be safe.
Key Takeaways
- The average cost of home insurance in Jensen Beach, Florida, is about $1,569 annually, although you’ll likely pay more if you have a larger, more expensive home.
- American Platinum had the cheapest home insurance in Jensen Beach, based on our data.
- Shopping around and comparing quotes from multiple companies before buying insurance is the best way to save money on a policy.
How Much Is Home Insurance in Jensen Beach, Florida?
On average, home insurance in Jensen Beach, Florida costs about $1,569 annually, or about 45% below the state average of $2,857 per year. However, the exact premium you’ll pay may differ based on your property and policy details.
Homeowners insurance rates in Florida are among the highest in the nation, largely due to the annual threat of hurricanes and high property values. Coastal regions experience the brunt of these costly premiums due to their increased likelihood of direct hurricane impact. These facts make it surprising that our calculated Jensen Beach premiums are as low as they are.
As an independent agency, we have policyholders in Jensen Beach and can present their actual, average premiums, although our policies may skew lower due to a concentration of condo insurance policies or policyholders with smaller, simpler homes, which could be producing a lower average.
Several factors affect rates, and you’ll likely pay more if you have a larger, more expensive house because of its higher replacement cost. Nevertheless, view our policyholder data below.
|
Company |
Average Premium |
|---|---|
|
American Platinum |
$1,442 |
|
Mangrove Property |
$4,629 |
|
Average |
$1,569 |
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Companies With the Cheapest Homeowners Insurance in Jensen Beach
American Platinum generally has the most affordable rates in Jensen Beach, according to our agency data. While this average is useful to know, be aware that the cheapest homeowners insurance in Jensen Beach will vary by person, as every policyholder has different needs influencing insurance costs.
American Platinum is a division of Universal Insurance Holdings, created in 2011 to serve homeowners in Florida. Since its inception, it has expanded to cover properties in Georgia, too, and is available exclusively through our team at Clovered.
Mangrove Property Insurance is one of a handful of newer Florida-based insurers founded in the wake of legislative changes around 2022 that were enacted to help the state recover from an insurance crisis, when premiums were climbing out of control, and dozens of companies either failed or stopped writing new plans.
These are good companies to start your insurance search with, but you should always compare rates among multiple providers to find the cheapest home insurance in Jensen Beach. Our team at Clovered partners with several more carriers not listed, and we will work to match you with the cheapest possible option.
Best Homeowners Insurance Companies in Jensen Beach
Finding the best insurer for your needs depends on more than just price, as coverage needs, available discounts, and other personal preferences come into play. As an independent agency, we want to provide you with as much information as possible so you’re informed throughout the buying process.
For some more information on our partners, look below. Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$1,442
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$4,629
Mangrove Property Insurance Company was founded in 2025 in Florida and offers home insurance coverage only in the Sunshine State. It is distributed through independent agents.
Jensen Beach Homeowners Insurance Coverages
All homeowners insurance policies include the same coverage areas for your property and liability. Policies protect these areas from damage sources called perils. Common covered perils include hurricanes, fires, theft, water damage, and lawsuits. We outlined the major coverage areas below.
|
Coverage |
Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage financially guards your home’s physical structure from damage, including the roof, walls, balconies, flooring, pipes, HVAC, and more. |
|
Other Structures Coverage |
Other structures coverage accounts for fixtures on your property that aren’t attached to your main house, such as sheds, pools, fences, and detached garages. |
|
Personal Property Coverage |
Personal property coverage safeguards your possessions in and around your home, including electronics, furniture, clothing, tools, art, jewelry, and more. |
|
Loss of Use Coverage |
Loss of use coverage helps cover temporary living expenses if you’re forced out of your house after it suffers major damage from a covered peril. Your insurer can pay for a hotel stay, groceries, and more. |
|
Liability Coverage |
Liability coverage pays potential legal fees and medical bills if someone is injured around your property and pursues you for the damages. |
|
Medical Payments Coverage |
Medical payments coverage covers minor medical expenses if someone suffers an injury, regardless of fault. |
How to Get Home Insurance Quotes in Jensen Beach
Consulting an independent insurance agency like Clovered is one of the best ways to get homeowners insurance quotes in Jensen Beach.
We can help you find a policy with one of our many partners in Florida. Our team is headquartered in Fort Lauderdale, so you’ll be speaking with a fellow state resident familiar with how difficult the Florida market can be.
Contact one of our licensed agents at 833-255-4117 during business hours for help getting a Jensen Beach homeowners insurance quote over the phone. You can also compare rates and potentially bind a policy online with our proprietary quoting platform.
You can also email us with any questions at agent@clovered.com. We’re happy to help you in any way we can.
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Jensen Beach Home Insurance FAQs
Is homeowners insurance required in Jensen Beach, Florida?
What determines Jensen Beach home insurance rates?
The factors influencing home insurance costs in Jensen Beach typically relate to your property and policy. Some of the most important variables insurers include home age, size, and home features, like wind mitigation components and construction materials. Policy details like coverage amounts and deductibles also influence your premiums.
Do you need flood insurance in Jensen Beach, Florida?
You will only need flood insurance in Jensen Beach if your mortgage lender requires it, which will happen if your house is in a high-risk flood zone according to Federal Emergency Management Agency (FEMA) maps. Lenders require properties in high-risk FEMA flood zones to carry flood insurance in addition to homeowners insurance. In Jensen Beach, properties on the St. Lucie River, the Indian River Lagoon, and Hutchinson Island can be located in these high-risk flood zones.
Stay Above Water With Flood Insurance
Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
