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2024

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Best Homeowners Insurance Agencies in Port Saint Lucie, FL

Our Recommended Top 12

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Port St. Lucie Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

119Reviewed

76Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2100 Southeast Hillmoor Drive, Port St. Lucie, FL 34952

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Tom Ruggirello Insurance is an agency operating in the Port St. Lucie metro that provides clients with insurance solutions for themselves, their properties, and/or their businesses. It has a team of homeowners insurance agents that help clients determine their best option for protecting their homes from natural calamities, theft, and other misfortunes. Founded in 1982, the firm was initially a part of the Nationwide Mutual Insurance Company until its independence in 2008.

  • Multiple Policy Types

8000 US-1 ste 303, Port St. Lucie, FL 34952

Expertise.com Rating

Review Sources

Facebook
4.5 (53)
Google
5.0 (12)

Why choose this provider?

Maria Couch is the owner of insurance company We Insure Group, which provides insurance solutions to individuals, families, and businesses in Port St. Louie. Couch assists homeowners in choosing the best insurance option that is suitable for their needs. Some of the homeowners insurance packages she handles include dwelling, structures, personal property, loss of use, personal liability, and medical payments. Couch also provides other policy programs for properties, vehicles, businesses, as well as life and health.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

974 SW St Lucie West Blvd, Port St. Lucie, FL 34986

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Mike Rice - State Farm Insurance Agent helps clients in Port St. Lucie manage risks and recover from unexpected life events with insurance policies. One of the products is homeowners insurance, which can cover the repair or replacement of not just the home, but also items of value and properties that are not permanently attached to the house. The coverage also applies even if the policyholder is away from the home. The agent also offers auto, renters, life, health, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

146 NW Central Park Plaza #102, Port St. Lucie, FL 34986

Expertise.com Rating

Review Sources

Google
4.5 (15)
Yelp
1.0 (1)

Why choose this provider?

Post Insurance is a firm in Port St. Lucie that works closely with different insurance providers to help homeowners find appropriate insurance solutions. Its insurance agents adopt a consultative approach in meeting clients' insurance needs. They aim to understand homeowners' needs and goals in order to create custom home insurance policies. Aside from property damage and injury claims, these home insurance plans have coverage options for jewelry and special collections. Post Insurance also offers business, life, and health insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1514 SE Port St Lucie Blvd, Port St. Lucie, FL 34952

Expertise.com Rating

Review Sources

Google
4.8 (44)
Facebook
5.0 (16)

Why choose this provider?

A-Advantage Insurance is an independent insurance agency in Port St. Lucie that was founded in 2005. Their agents have more than 50 years of combined experience and help homeowners acquire insurance policies that fit their individual needs. The insurance policy types they offer include homeowners', landlord, renters', condo, flood, and more. Because the company is an independent agent, it has access to several insurance carriers in the state. A-Advantage Insurance is recommended by Trusted Choice.

  • Personal Property Insurance
  • Multiple Policy Types

1662 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
3.7 (6)

Why choose this provider?

The Vincent Zanfini Family Agency - Brightway Insurance is an independent agency located in Port St. Lucie. The company provides assistance in various areas including home insurance. Its team of agents helps clients obtain insurance plans that cover fire damage, smoke damage, hail damage, windstorm damage, and theft damage. They also offer other personal insurance products including flood insurance, condominium insurance, and renters' insurance. Flood insurance plans cover personal property damage and building damage caused by flood waters.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

455 Northwest Prima Vista Boulevard, Port St. Lucie, FL 34983

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

ACCH Insurance Agency is an independent homeowners insurance provider that serves clients in Port St. Lucie and the surrounding areas. This local agency has more than 20 years of experience in providing various home insurance options such as dwelling protection, extended replacement cost, personal liability protection or PLP, and personal property. Aside from home insurance products, ACCH Insurance Agency also offers auto, commercial, and flood insurance, as well as storm preparation plans.

  • Multiple Policy Types

787 SE Port St Lucie Blvd, Port St. Lucie, FL 34984

Expertise.com Rating

Review Sources

Google
4.5 (136)
Facebook
4.5 (8)
Yelp
3.5 (7)

Why choose this provider?

Jeannie Evans - GreatFlorida Insurance caters to the needs of homeowners in Port St. Lucie. It helps clients find home insurance policies and create customized plans for them. These plans may cover damages caused by disasters and theft, financial loss due to legal liabilities, medical expenses due to accidents, and damaged personal properties. More than insurance coverage, the company offers guidance from a local insurance agent who provides a unique perspective as a resident of the community.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

493 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (18)

Why choose this provider?

McGarr Insurance is a full-service independent insurance agency that has been serving Port St. Lucie and nearby areas since 2019. The company's agents guide homeowners and families in choosing the right insurance policy to protect their residence, personal assets, and liabilities against disasters, accidents, and other unwanted events. The firm represents 20 top-rated insurance companies that also provide automobile, life, and health coverages. The company is a member of the State Insurance Group.

  • Multiple Carriers

2836-A Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (8)

Why choose this provider?

Westport Insurance Agency has been providing insurance solutions in Port St. Lucie since 2000. Its insurance professionals help clients protect their homes and belongings from possible loss or damage through applicable home insurance plans. These insurance products cover different home types, including townhouses and condominiums, with diverse coverage options to match homeowners' needs. This financial coverage combines injury lawsuits and property damage or loss mitigation from coverable events, such as theft, fire, and natural disasters.

  • Condos
  • Personal Property Insurance
  • Flood

1680 SW Bayshore Blvd 107, Port St. Lucie, FL 34984

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Fortified Insurance is an independent agency dedicated to providing insurance policies throughout Port St. Lucie and the surrounding communities. The professionals from this business offer home insurance options covering damages from fire, theft, and termite infestation. Its team of insurance agents also provides other types of insurance solutions, including boat, automobile, and commercial liability. They work with various insurance providers, including Nationwide, Progressive, Prepared Insurance Company, Guard Insurance Group, and National General Insurance.

  • Fire
  • Personal Property Insurance
  • Flood

1034 Southwest Bayshore Boulevard, Port St. Lucie, FL 34983

Expertise.com Rating

Review Sources

Google
3.8 (23)
Facebook
5.0 (7)
Yelp
2.0 (1)

Why choose this provider?

A Better Deal Insurance Agency serves clients in the city of Port St. Lucie. The agency helps individuals understand their homeowners' insurance options and find the best policy that meets their preferences and lifestyle. Its homeowners' insurance plan typically covers the structure of properties, personal belongings, injuries to household pets, and personal liabilities. With nearly three decades of experience, A Better Deal Insurance Agency also offers condo and rental, car and motorcycle, business, health, boats/RVs, and contractors insurance.

  • Condos
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Tom Ruggirello Insurance
2100 Southeast Hillmoor Drive, Port St. Lucie, FL 34952
Maria Couch - We Insure
8000 US-1 ste 303, Port St. Lucie, FL 34952
Mike Rice - State Farm Insurance Agent
974 SW St Lucie West Blvd, Port St. Lucie, FL 34986
Post Insurance
146 NW Central Park Plaza #102, Port St. Lucie, FL 34986
A-Advantage Insurance
1514 SE Port St Lucie Blvd, Port St. Lucie, FL 34952
The Vincent Zanfini Family Agency - Brightway Insurance
1662 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984
ACCH Insurance Agency
455 Northwest Prima Vista Boulevard, Port St. Lucie, FL 34983
Jeannie Evans - GreatFlorida Insurance
787 SE Port St Lucie Blvd, Port St. Lucie, FL 34984
McGarr Insurance
493 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953
Westport Insurance Agency
2836-A Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953
Fortified Insurance
1680 SW Bayshore Blvd 107, Port St. Lucie, FL 34984
A Better Deal Insurance Agency
1034 Southwest Bayshore Boulevard, Port St. Lucie, FL 34983

FAQs

  • 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 are some insurance tactics that may cause a homeowner's insurance claim in Port St. Lucie to be delayed or denied?

    Because insurers are in the business of making a profit, they may employ strategies that create payment difficulties for homeowners. Some of these tactics include delaying claim payments until the homeowner runs out of money and accepts a low offer, as well as failing to conduct a thorough investigation, resulting in the claim being undervalued. To reduce the payment amount, an insurer may assert that the damage is not covered or that the policyholder in Port St. Lucie failed to take the necessary precautions to prevent the damage.

  • Are you required to purchase flood insurance in Port St. Lucie?

    There are no federal laws requiring homeowners in Port St. Lucie to obtain flood insurance. It may, however, be required for mortgaged homes in FEMA-designated flood zones, such as those along the coast, wetlands, and canals, or near the St. Lucie River. Flood insurance is typically excluded from standard homeowner's policies.

  • Do you need to have an inspection to get homeowner's insurance in Port St. Lucie?

    When purchasing homeowner's insurance, insurers do not always require a home inspection. It is always decided on a case-by-case basis and is most likely required for homes older than 25 years or that have not been inspected in the last ten years. Insurance companies may also require inspections for homes in hurricane, hailstorm, and wildfire-prone areas. When they request an inspection of your Port St. Lucie home, there is a chance your policy will be canceled or your rates will rise.

  • Will your homeowner's insurance cover damage to your boat in Port St. Lucie?

    Your boat will only be covered by your homeowner's insurance if it was on your Port St. Lucie property when the damage occurred. Personal liability coverage will also be limited. This means that the insurer will only pay a certain amount if someone on your boat is injured or if you injure someone else on the water. Many insurers, however, impose a limit on the boat and power that will be covered. You can get adequate protection by purchasing a separate policy or boat insurance.

  • What does an animal liability coverage do for homeowners in Port St. Lucie?

    Animal liability insurance can assist homeowners who own dogs of restricted breeds such as pit bulls, Alaskan Malamutes, and Akitas. This is because standard Port St. Lucie homeowner's insurance typically excludes coverage for these breeds. Therapy, service, and guide dogs can all benefit from animal liability insurance. It can even cover dogs who have a history of biting.

  • 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.

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