Homeowner Insurance Costs in Palm Beach County, FL

How much does homeowner insurance cost in Palm Beach County? Here's what to expect.

Est. Annual Premium

$2,026

Monthly Cost

$169

Median Home Value

$368,300

% of Income

2.7%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$368,300
Personal Property (C)$184,150
Liability (E)$300,000
Deductible$3,683

Cost Context

Homeownership Rate69.5%
Median Income$76,066
Property Tax Rate0.9%
Population1,494,805

About Insurance in Palm Beach County

Homeowner insurance in Palm Beach County, Florida costs an estimated $2,026 per year for a median-value home of $368,300. This represents approximately 2.7% of the median household income of $76,066.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in Florida

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.