Home Home insurance Average home insurance cost Florida Boca Raton, FL How much is Homeowners Insurance in Boca Raton, FL View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Boca Raton, homeowners pay an average annual rate of $6,077 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $3,573 more than the national average of $2,504. Homeowners insurance rates change from one home to another. The home insurance premium in Boca Raton depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in Boca Raton, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Boca Raton. Key takeawaysHomeowners insurance costs $6,077 per year in Boca Raton. At $2,337 per year, State Farm offers the cheapest homeowners insurance in Boca Raton. Your home insurance rates increase by $591 more annually if you increase your dwelling coverage from $200,000 to $300,000. How much is homeowners insurance in Boca Raton per month Residents of Boca Raton pay an average of $506 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $125 more than the state average of $381 and $297 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Boca Raton may change based on location, property value, and selected coverage options. How much is homeowners insurance for a $200,000 house in Boca Raton In Boca Raton, FL, homeowners pay an average of $5,486 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area. Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance. How much is homeowners insurance for a $300,000 house in Boca Raton As per rate analysis by Insure.com, homeowners residing in Boca Raton typically pay an average of $6,077 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible. Your home insurance rates will be increased by $591 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area. How much is homeowners insurance in Boca Raton by company Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Boca Raton. It’s average annual rate for Boca Raton homeowners is $2,337. Amer Integrity Ins Co of FL ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $2,784. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Boca Raton and prepared a list of the cheapest home insurance providers. You can find below the Boca Raton home insurance companies and their average annual premium. Home insurance company Annual rate State Farm$2,337Amer Integrity Ins Co of FL$2,768Travelers$2,784Allstate$2,869Heritage Insurance Holdings$2,958Universal Insurance Holding$3,221FedNat Holding$3,237Citizens Property Insurance$4,962Nationwide$5,160Security First Insurance$7,939HCI Group Inc$9,954Progressive$9,995 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Boca Raton for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesFort LauderdaleHavanaMelbourneMount DoraPensacolaSan AntonioSydneyTampa In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Does homeowners insurance cover theft? By Nupur Gambhir Does home insurance cover fires from alternative heating sources? By Ashlee Tilford Guide to additional living expenses coverage By Lena Borrelli Homeowners insurance for seniors: A comprehensive guide By Chris Kissell Home insurance claims: How to file and what you should know By Chris Kissell Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page How much is homeowners insurance in Boca Raton per month How much is homeowners insurance for a $200,000 house in Boca Raton How much is homeowners insurance for a $300,000 house in Boca Raton How much is homeowners insurance in Boca Raton by companyMethodology ZIP Code Please enter valid ZIP See rates