Average Rates for Home Insurance in Port St. Lucie, Florida by Company No law requires you to buy homeowners insurance in Port St. Lucie or any other city in the country. However, if you get a mortgage for your house, your lender will require you to get a homeowners insurance policy.
Key Takeaways
- The average cost of homeowners insurance in Port St. Lucie is about $4,117 per year.
- Southern Oak, Edison, and American Integrity had the lowest average premiums in Port St. Lucie.
- Shopping around with insurance agents in Port St. Lucie, Florida, is the best way to save money on a policy.
Average Cost of Home Insurance in Port St. Lucie, Florida
On average, home insurance in Port St. Lucie, Florida, costs about $4,117 annually. Premiums in this Florida city are about 44% higher than the state average, which is about $2,857 annually.
One reason for Port St. Lucie’s elevated rates is its coastal location. While the sun and surf are nice, its location on the Atlantic coast means hurricanes and floods are a more notable threat than for inland places. This risk raises homeowners insurance rates. Properties with higher chances of hurricane damage normally have higher premiums.
As an independent insurance agency, our team at Clovered can present real, average premiums from our policyholders in the Port St. Lucie area.
|
Company |
Average Premium |
|---|---|
|
Southern Oak |
$2,619 |
|
Edison |
$2,749 |
|
American Integrity |
$2,782 |
|
Mangrove |
$2,929 |
|
Florida Peninsula |
$3,201 |
|
Heritage |
$3,355 |
|
Swyfft |
$3,593 |
|
Citizens |
$3,775 |
|
American Platinum |
$4,337 |
|
TypTap |
$4,522 |
|
Slide Insurance Company |
$5,599 |
|
Average |
$4,117 |
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Cheapest Homeowners Insurance in Port St. Lucie, Florida
According to our data, customers of Southern Oak and Edison had the cheapest average homeowners insurance in Port St. Lucie, Florida. Remember, though, that your premiums will depend on several factors about you, your home, and your policy.
Many of the names on our list are Florida-based or dedicated and focus most of their business within the Sunshine State. Swyfft is notable because it isn’t actually an insurance carrier like most of the other names on the list. Swyfft is a managing general agency, which means it has more authority than a typical broker or insurance agency in Port St. Lucie you may find who mainly just sells polices. Swyfft can make some underwriting and reinsurance decisions on behalf of an insurance company, but does not actually finance policies.
Best Home Insurance Companies in Port St. Lucie
The best homeowners insurance companies in Port St. Lucie isn’t clear-cut; you may want to look at a few different factors. Company 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.
Southern Oak Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.20
Average Premium
$2,619
Southern Oak Insurance Company is a private home insurer that has been providing coverage to state residents since 2004. Its policies are primarily available only in Florida through a statewide network of independent agents, such as Clovered.
Edison
Demotech Rating
A
NAIC Complaint Index
0.40
Average Premium
$2,749
Established in 2006, Edison Insurance Company offers home insurance primarily in Florida through independent agents, like our team at Clovered. It was acquired by Florida Peninsula Insurance Company in 2010, although it still has its own book of business.
American Integrity Insurance
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$2,782
Established in 2006, American Integrity Insurance has become one of the five largest home insurers in Florida with over 300,000 policyholders in the state. Since its founding, the company has expanded its coverage to Georgia and South Carolina and gone public, trading on the New York Stock Exchange.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$2,929
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.
Florida Peninsula
Demotech Rating
A
NAIC Complaint Index
0.10
Average Premium
$3,201
Florida Peninsula Insurance Company was founded in 2005 and focuses on offering coverage in its namesake state. With over 150,000 policies in force in Florida, it just cracks the top ten list of Florida’s largest home insurers.
Heritage
Demotech Rating
A
NAIC Complaint Index
0.78
Average Premium
$3,355
Heritage Property & Casualty Company is a regional insurer created in 2012, licensed to operate in several states, including many on the East Coast and California. It’s publicly traded on the New York Stock Exchange.
Swyfft
Demotech Rating
NR
NAIC Complaint Index
NR
Average Premium
$3,593
Swyfft is an insurance managing general agency founded in 2014, offering insurance products in several coastal states around the country.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$3,775
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$4,337
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.
TypTap
Demotech Rating
A
NAIC Complaint Index
1.48
Average Premium
$4,522
TypTap Insurance Company was founded in 2006 and offers home insurance in over a dozen states. It’s primarily distributed through independent agents, like ours at Clovered.
Slide Insurance Company
Demotech Rating
A
NAIC Complaint Index
0.56
Average Premium
$5,599
Slide Insurance Company was founded in 2021 and began operations offering home insurance in 2022. Available in Florida and South Carolina, the company currently has over 300,000 policyholders in the Sunshine State, making it one of Florida’s largest.
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.
Port St. Lucie Homeowners Insurance Coverages
When you think of home insurance, the first thing that naturally comes to mind is the protection of your house. While this is a major aspect of a homeowners insurance policy, but it’s not the only one.
The part of a plan that covers your house is dwelling coverage. If your house is destroyed or damaged by a covered peril, dwelling coverage will kick in to reimburse you. Dwelling coverage guards the replacement cost of the physical structure of your home.
For many people, this is reason enough to invest in a homeowners insurance policy. But, homeowners coverage protects you in many additional ways:
|
Coverage |
Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage, or Coverage A, helps protect the elements of your home like the roof, walls, floors, pipes, and much more. In short, it covers the structure of your home. |
|
Other Structures Coverage |
Other structures coverage, or Coverage B, helps cover the features on your property like your shed, carport, detached garage, fence, and more. It protects the structures on your property that aren’t attached to your main home. |
|
Personal Property Coverage |
Personal property coverage, or Coverage C, guards your belongings in your home and around your property. It protects a wide range of items like lawn equipment, tools, furniture, appliances, clothing, and more. |
|
Loss of Use Coverage |
Loss of use coverage, or Coverage D, can help you cover the expenses you may incur if your home suffers significant damage that temporarily displaces you and your family. It can help you cover expenses like groceries, gasoline, temporary lodging, and other necessities. |
|
Liability Coverage |
Liability coverage, or Coverage E, may help protect your reliability should it come into question following damage to someone else’s property or a guest’s injury on your property. It can help you cover legal fees and someone else’s medical expenses. |
|
Medical Payments Coverage |
Medical payments coverage, or Coverage F, can help you cover medical expenses following a minor injury, such as a broken tooth a guest suffers on your property, regardless of fault. |
How to Get Homeowners Insurance Quotes in Port St. Lucie
You might know that raising your deductible or “bundling” your home and auto insurance are some quick ways to save, but the best way to ensure savings is to do your homework and find which companies have the best rates. At Clovered, we make that easy.
Using our online quote engine, you can customize a plan to your needs and compare policies from top providers in the country. If computers aren’t your thing, don’t worry. To speak to a licensed agent, call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. or email us anytime at agent@clovered.com.
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.
Port St. Lucie Homeowners Insurance FAQs
Is homeowners insurance required in Port St. Lucie?
What is wind mitigation in Port St. Lucie?
Wind mitigation involves components of your house that can help minimize the consequences of wind damage, like the gusts from hurricanes and tropical storms in Florida. If you get a wind mitigation inspection, an inspector will look at aspects of your roof, windows, doors, and overall home construction to see how wind-resistant your home is. Houses with effective wind mitigation measures receive insurance discounts.
What is renters insurance in Port St. Lucie?
If you rent your home, you don’t need homeowners insurance. Instead, you would need renters insurance, which primarily includes protection for your belongings and personal liability. It’s much cheaper than homeowners coverage. Landlords may require you to maintain renters insurance as a renter.
What factors affect the cost of Port St. Lucie home insurance?
Insurance is complex, and many variables affect premiums. Some notable factors include the age, size, and condition of your home, your credit and claims history, and policy details like deductibles, coverage amounts, and endorsements.
Do you need flood insurance in Port St. Lucie?
You only need to buy flood insurance if your lender requires you to do so, which occurs in FEMA-designated high-risk flood zones. Many properties in Port St. Lucie are in these high-risk areas, especially homes along the coast and parts of neighborhoods near the St. Lucie River.
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.
