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2024

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Best Homeowners Insurance Agencies in Port St. Lucie, FL

Our Recommended Top 7

We did the research for you!

  • Licensing
  • 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.

108Reviewed

67Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

145 NW Central Park Plaza 113, Port St. Lucie, FL 34986

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

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

Expertise.com Rating

Review Sources

Google
4.5 (137)
Yelp
3.5 (7)

Why choose this provider?

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.

  • Flood

1680 Southwest Bayshore Boulevard, 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 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.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

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 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.

  • Renter's Insurance
  • Fire
  • Condos

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

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

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.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

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

Expertise.com Rating

Review Sources

Google
4.7 (47)
Facebook
5.0 (16)

Why choose this provider?

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.

  • Multiple Carriers
  • Multiple Policy Types

493 SW Port St Lucie Blvd, Port St. Lucie, FL 34953

Expertise.com Rating

Review Sources

Google
5.0 (36)
Facebook
5.0 (18)

Why choose this provider?

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.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Jaguar Insurance
145 NW Central Park Plaza 113, Port St. Lucie, FL 34986
Jeannie Evans - GreatFlorida Insurance
787 Southeast Port Saint Lucie Boulevard, Port St. Lucie, FL 34984
Fortified Insurance
1680 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984
A Better Deal Insurance
1034 Southwest Bayshore Boulevard, Port St. Lucie, FL 34983
Westport Insurance Agency
2836 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953
A-Advantage Insurance
1514 SE Port St Lucie Blvd, Port St. Lucie, FL 34952
McGarr Insurance
493 SW Port St Lucie Blvd, Port St. Lucie, FL 34953

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 is covered by homeowners insurance in Port St. Lucie, and is it required?

    The physical structure of your house, personal belongings, liability protection, and additional living costs if you are temporarily unable to reside in your home because of an insured loss are normally covered by a regular homeowners insurance policy. Although it is not required by law in Port St. Lucie, your lender will probably insist that you obtain homeowners insurance if you have a mortgage.

  • What are the typical grounds for Port St. Lucie homeowners insurance claim denials?

    Insufficient coverage for the sort of loss or damage you reported, missing filing deadlines, and unpaid insurance premiums are some of the reasons home insurance claims in Port St. Lucie may be rejected. Insurance companies may also reject your claim if you make false statements about the type and extent of the damage, submit claims with inadequate supporting documentation, or neglect to effectively manage the property to prevent losses.

  • How much time do you have to file a house insurance claim in Port St. Lucie?

    In Port St. Lucie, you have four years from the incident date to submit a homeowners insurance claim. It's critical to file your claim as soon as possible in order to preserve evidence and improve your chances of receiving a fair payment. If you submit your claim after this window has passed, your insurance company could deny it.

  • Does calculating insurance premiums in Port St. Lucie take into account the number of claims you have filed in the past?

    Yes, insurance providers in Port St. Lucie typically consider the number of claims you have made in the past when calculating premiums. The more claims you make, the higher the likelihood it is for your insurance provider to raise your premiums. Also, many carriers will deem your insurance to be too "high-risk" if you file a lot of claims.

  • 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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