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Best Homeowners Insurance Agencies in Port St. Lucie

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A Better Deal Insurance logo
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A Better Deal Insurance

1034 Southwest Bayshore Boulevard, Port St. Lucie, FL 34983
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  • Renter's Insurance
  • Fire
  • Condos

Business Description

A Better Deal Insurance is an insurance agency serving residents and businesses in Port St. Lucie and surrounding areas. It provides a broad selection of insurance policies, including auto and motorcycle, boat and RV, health, rental, condo, and homeowners. Its homeowners' insurance coverage takes into consideration the dwelling, additional structures, personal belongings, liabilities, pets, and additional living expenses of the client. Clients may also obtain general liability for construction insurance and commercial or business insurance products, such as commercial vehicle coverage, business owners coverage, and workers' compensation coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.8 / 5 (23)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
A-Advantage Insurance logo
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A-Advantage Insurance

1514 SE Port St Lucie Blvd, Port St. Lucie, FL 34952
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

A-Advantage Insurance is a full-service insurance agency located in Port St. Lucie. It provides various insurance policies for clients including home insurance. The company's team of agents assesses the value of a property to determine the proper coverage. With every policy offered, the professionals accomplish an approved replacement cost estimator. In addition, they offer condo insurance, manufactured home insurance, and mobile home insurance. Dave Pellicano founded A-Advantage Insurance in 2005. He carries nearly three decades of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (47)
Facebook
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
ACCH INSURANCE AGENCY logo
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ACCH INSURANCE AGENCY

455 NW Prima Vista Blvd, Port St. Lucie, FL 34983
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  • Multiple Policy Types

Business Description

ACCH Insurance Agency is an insurance company based in Port St. Lucie. It covers homeowners from potential damage to their property and belongings. It sends agents to discuss and plan for any damaging events, such as hurricanes, storms, lightning, or smoke. Active for over two decades, the agency has helped clients who have lost their belongings to theft or fire. The company also provides coverage plans to deal with floods, protect pets, and repair vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fortified Insurance logo
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Fortified Insurance

1680 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

Fortified Insurance is a Port St. Lucie-based independent insurance agency that provides custom insurance policies to families, individuals, and businesses. Its local insurance agents provide the right homeowners' insurance that matches the financial needs of clients. The plan gives protection to the home from certain perils like theft and fire, as well as damage from termites and birds. Fortified Insurance also offers commercial insurance plans with coverage options including general liability, inland marine, and commercial auto.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jaguar Insurance logo
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Jaguar Insurance

145 NW Central Park Plaza 113, Port St. Lucie, FL 34986
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  • Flood
  • Multiple Policy Types

Business Description

Jaguar Insurance provides homeowners' insurance policies for residents in Port St. Lucie. The agents at this firm have been in the industry since 2004. They coordinate with trusted insurance carriers to compare rates and acquire comprehensive coverages. The company specializes in assisting homeowners who want protection against fires, hailstorms, hurricanes, and lightning storms. Jaguar Insurance is also experienced at handling commercial property insurance such as business income and extra expense endorsements.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jeannie Evans - GreatFlorida Insurance logo
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Jeannie Evans - GreatFlorida Insurance

787 Southeast Port Saint Lucie Boulevard, Port St. Lucie, FL 34984
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  • Flood

Business Description

Jeannie Evans - GreatFlorida Insurance is an insurance company in Port St. Lucie that has been providing insurance solutions to individuals, families, and businesses for the last 30 years. Its insurance agent, Jeannie Evans, offers a homeowner's insurance policy to protect the home and family from break-ins, fires, hurricanes, and other circumstances. The company offers various insurance companies' plans, including National General Insurance, American Colonial Insurance, Avatar, Capital Insurance Group, and Homeowners Choice.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (137)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
McGarr Insurance logo
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McGarr Insurance

493 SW Port St Lucie Blvd, Port St. Lucie, FL 34953
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  • Multiple Policy Types

Business Description

McGarr Insurance is a local business established in 2019 that addresses Port St. Lucie clients' homeowners' insurance needs. Its insurance agents have access to several carriers—such as American Integrity Insurance Group, Bankers Insurance Group, Bristol West Insurance Group, Edison Insurance Company, and Centauri Insurance—to better find suitable coverage and policies for clients. Owner Matt McGarr has been working in the insurance industry since 2015, helping individuals and businesses financially protect their assets and properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tom Ruggirello Insurance logo
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Tom Ruggirello Insurance

2100 SE Hillmoor Dr 205b, Port St. Lucie, FL 34952
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Founded in 1982, Tom Ruggirello Insurance has been serving clients in areas in Florida including Port St. Lucie for more than 35 years. It has been an independent insurance agency since 2008. The agency provides services that include home insurance, which protects one's home from unexpected calamities or misfortunes. Aside from this, the company also provides insurance for renters, condominiums, personal umbrellas, and business like commercial property and general liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Westport Insurance Agency logo
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Westport Insurance Agency

2836 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953
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  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Condos

Business Description

Established in 2000, Westport Insurance Agency has served Port St. Lucie with a variety of insurance services, one of which is homeowners' insurance. Their policies are flexible and can cover the individual needs of clients. Properties like homes, condominiums, and townhouses can be insured to finanially protect them from fire, flood, theft, and even harsh weather conditions. Also covered by the policies is personal liability for when another person is injured while on the property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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