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Homeowners Insurance in Jupiter, Florida: Costs, Quotes, More

By Jarrod Heil

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As the northernmost city in Palm Beach County and located at the top tip of South Florida, Jupiter enjoys the best of both worlds: city life and peace and quiet. Nearly bordering Jonathan Dickinson State Park, just a short drive to West Palm Beach, and home to handfuls of world-renowned golf courses, there’s no wonder why people are flocking to live in Jupiter.

But the influx of people moving into Jupiter coupled with its lack of expansion space to build new homes is causing home values in one of Florida’s most coveted zip codes to skyrocket. With that, and the city’s susceptibility to hurricanes and other perils, homeowners insurance in Jupiter, Florida is rising along with it.

From what Jupiter homeowners insurance covers to how much it costs, what it covers and so much more, this is everything you need to know if you’re in the market.

Average Cost of Homeowners Insurance in Jupiter, Florida

Due to its location in Palm Beach County, which sees a number of hurricane claims each year, and its proximity to the Atlantic ocean, the average cost of homeowners insurance in Jupiter is well above the national and state averages at $4,030 per year for a $150,000 house.

While Florida’s annual average is $2,043 per year for a similar house, the average numbers for Jupiter are just that — averages. Many factors go into the pricing of home insurance in Jupiter, Florida, including the probability of filing hurricane claims, how many other homeowners have filed claims in the past and what those costs were.

The following averages are that of Jupiter’s top insurance companies and are based on real premiums for people residing in the city.

Average Homeowners Insurance Cost in Jupiter for a $150,000 House


ASI$4,458
Citizens$3,550
FedNat$2,959
Florida Penn$4,615
Liberty Mutual$3,529
People’s Trust$5,004
State Farm$3,638
UPCIC$4,491
Average$4,030

While $4,030 is the annual average, you might notice that the majority of companies on the list are well above or well below that number. That’s because the most important pricing factors in Florida are the year the home was built and if it has proper wind mitigation features to fend off ferocious hurricane winds.

Let’s take a deeper dive and include those metrics. You’ll see that homes built from 2001 to the present day have much cheaper Jupiter homeowners insurance. That’s when the Sunshine State instituted new building codes that made builders better protect against wind damage during construction.

☘ $150,000 Value – Pre-2001 Construction w/ Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

☘ $150,000 Value – Pre-2001 Construction w/ No Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

☘ $150,000 Value – 2001-Present Construction: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation: A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 Value Pre-2001 Construction
W/ Wind Mitigation

$3,705
$1,773
$1,972
$3,613
$2,362
$2,872
$2,896
$2,456
$2,706

$150,000 Value Pre-2001 Construction
No Wind Mitigation

$6,791
$6,572
$4,619
$7,053
$5,475
$8,751
$5,371
$8,296
$6,616

$150,000 Value 2001-Present Construction

$2,879
$2,306
$2,285
$3,180
$2,751
$3,388
$2,646
$2,721
$2,769

*Insurers are required to send in their average annual homeowners insurance premiums once per year to the Florida Office of Insurance Regulation, so the rates shown above are the average rates you can expect in Jupiter.

After further analyzing the data, you’ll see that homes built prior to 2001 with no wind mitigation features in place drastically increases the average premium prices in Jupiter.

However, upon digging deeper, you’ll find that homes built from 2001 on enjoy average premiums of $2,769 per year — a bit above the state’s average of $2,043. Depending on your situation, you may be able to get homeowners insurance for even less than $2,000 since these averages account for higher and lower premiums that account for many factors.

Those factors can be both controlled and uncontrolled. For instance, you can choose your deductible and coverage amounts, but you may not be able to control your claims history or the location of or crime surrounding your home as well.

But what you may be most surprised about is that homeowners with pre-2001 construction homes who have taken the proper steps to mitigate wind damage (in the form of impact-resistant windows and doors and a hip roof) enjoy the lowest average premiums at $2,706 per year.

It’s Time to Switch Your Homeowners Insurance

We partner with Jupiter’s top homeowners insurance companies so you can get a custom policy at an affordable price.

But whether you’re already living in Jupiter or eyeing it for your next home, you likely know that not many houses in the city are going for $150,000 these days. Property values are closer to the $300,000 mark, so let’s take a look at what you can expect to pay for homeowners insurance on a property of that magnitude.

Average Homeowners Insurance Cost in Jupiter for a $300,000 House


ASI$8,917
Citizens$7,100
FedNat$5,917
Florida Penn$9,230
Liberty Mutual$7,058
People’s Trust$10,007
State Farm$7,275
UPCIC$8,982
Average$8,061

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$300,000 Value Pre-2001 Construction
W/ Wind Mitigation

$7,410
$3,546
$3,944
$7,226
$4,724
$5,744
$5,792
$4,912
$5,412

$300,000 Value Pre-2001 Construction
No Wind Mitigation

$13,582
$13,144
$9,238
$14,106
$10,950
$17,502
$10,742
$16,592
$13,232

$300,000 Value 2001-Present Construction

$5,758
$4,611
$4,570
$6,359
$5,501
$6,776
$5,292
$5,442
$5,539

What Does Jupiter Homeowners Insurance Cover?

Dwelling: Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures: Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property: Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use: Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Liability: Helps to pay for injuries or other property damages that the policyholder is found liable for, such as a broken bone and legal fees.

Medical Payments: Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

The coverages above break down the tangible and intangible portions of home insurance in Jupiter, Florida. But the coverages extend to more than just the aforementioned examples, and refer to damage or destruction caused by a multitude of perils.

Those perils, a fancy insurance word for an unexpected event, are things like hurricanes, tornadoes, fires, burglary, water damage and dog bites — some of the most commonly filed homeowners claims each year.

How to Find the Best Jupiter Home Insurance Agency

Clovered, a Jupiter home insurance agency headquartered in nearby Fort Lauderdale, can help you find the best home insurance at the best price.

We’ve partnered with Citizens, FedNat, Florida Penn, People’s Trust and Universal Property & Casualty Insurance Company — some of the most affordable insurers in Jupiter — among many other insurers to provide our customers with the best policies at the best rates with the best customer service.

Our company is located at the intersection of technology and real people. So we’ve developed an intuitive online quoting platform that allows you to get a quote in minutes, and we’ve staffed up our in-house sales and service teams so you can talk to a real person when you need to.

What to Know About Flood Insurance in Jupiter, Florida

Given its location near the Atlantic Ocean to the east, Loxahatchee River to the north, the Lake Worth Creek running through the middle and the many other various bodies of water strewn throughout the city, it probably doesn’t surprise anyone that Jupiter is prone to flooding.

But what may surprise you is that flood damage isn’t covered by homeowners insurance. Whether it’s storm surge from a hurricane, a nearby body of water that overflows or torrential rains that seep into your home, you’ll need to purchase flood insurance in Jupiter, Florida to be adequately covered.

The good news is that flood insurance costs a fraction of the price of homeowners insurance, so it may only set you back from $300 to $600 per year depending on your coverage amounts.

It features many of the same facets as homeowners insurance (dwelling, other structures, personal property and loss of use), so you can rest easy knowing you’re covered.

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?

How to Get Affordable Home Insurance in Jupiter, Florida

With Clovered’s online quoting tool, getting an affordable policy in Jupiter is easier (and faster) than ever. Simply answer a few questions about your home, we’ll run some risk data and pull some fancy technical strings in the background, and then we’ll provide you with a few options that meet your coverage needs — and your budget.

And if you hit any snags during the process or just enjoy the comfort of talking to a real person, you can reach out to our team of licensed, in-house agents Monday through Friday from 8:30 a.m. to 6 p.m by calling 833-255-4117. Or you can email them anytime at agent@clovered.com.

It’s Time to Switch Your Homeowners Insurance

We partner with Jupiter’s top homeowners insurance companies so you can get a custom policy at an affordable price.