Vero Beach, FL Home Insurance Quotes!

Enter your Zip Code:    
Easily compare up to 12 competitive Vero Beach, FL rates all in one place!
Picture of Vero Beach, FL

If your primary focus for shopping online for Vero Beach, FL homeowners insurance is based on affordable rates, then you have come to the right place. At GetHomeInsuranceQuotes.com, we compare the rates for you amongst 12 different carriers that all have competitive premium prices for homeowners living in the city of Vero Beach. It's not uncommon for local residendce to want to discover lower home insurance cost. Our long term experience and fast quoting process allows us to compare premiums and coverages, which allows you to benefit from savings and getting the coverage protection you need for your home. It only takes a few minutes to shop the best rates and prices for your home within or nearby the Vero Beach area.

Average Homeowners Insurance Rates in Vero Beach, FL

Vero Beach homeowners often want to know what other homeowners pay on average per month. This is a common question our insurance agents receives from customers that are looking to easily compare and lower rates. Vero Beach homeowners are paying around $1,374 per year. The state average is $2,165 per year for a standard policy. Shopping the best companies and offering discounts with a home insurance policy you can depend on and trust is what we enjoy doing for you. We help homeowners in Vero Beach pay around $1,624.00 per year on average, which is only $135.00 per month for great coverage you can depend on. Smaller homes in Vero Beach may see even lower prices in the $1,374.00 per year. Larger homes in the 3,000 square foot range will be more on the higher priced insurance coverage due to the replacement cost of more expensive homes. Rates for higher-end homes are around $1,924.00 per year depending on dwelling coverage, zoning and available discounts. Start shopping your home insurance today to get the best rate!

What's Covered?

The average homeowners insurance rates reflect the cost of a standard homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and liability coverage. For homeowners living in Vero Beach, it's important to know that your basic homeowners insurance policy does not protect you from flood damage. You need to purchase a separate policy know as a "flood insurance policy", and best of all our agents can help you determine what's the best fit for your home in terms of protection towards wind, hail and flood zones.

Vero Beach, FL Housing Data

The city of Vero Beach has grown to 15,220 residents in population size with 82,735 homes to be established within the city of Vero Beach. The average house value per zip code in Vero Beach, FL is $361,700. To help you determine your replacement cost for your home, you can review average and upgraded dwelling coverage options by using our homeowners insurance calculator.

Compare Homeowners Insurance Rates in Vero Beach, FL!

Enter your Zip Code:    

Get up to 12 competitive Vero Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Vero Beach, FL rates all in one place!

Our Service in Florida

You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Vero Beach, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.

Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.

Average Rates Nearby Vero Beach

Are you looking for homeowners insurance in a city near Vero Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Vero Beach, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Vero Beach.

32960,     32962,     32963,     32966,     32967,     32968,     

Vero Beach, FL Home Insurance Average Premiums

Local Vero Beach, FL home insurance quotes comparison

$1374 /yr.

Shows Vero Beach's lowest average rates with discounts applied.

For the city of Vero Beach, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1374 /yr.
Average Coverage:$1624 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1924 /yr.

What is the average home insurance cost for a home in Vero Beach, FL?

  • • The average homeowners insurance premium paid annually for a home in Vero Beach is around $1624 per year.

What does it cost on average per month for home insurance in Vero Beach, FL?

  • • Homeowners in Vero Beach pay an average cost per month around $135.00 for insurance coverage.

Vero Beach, FL Coastal Wind, Hail & Flood Information

Vero Beach is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Vero Beach is know for it's beautiful beaches and waterways. Because Indian River County (FIPS: 12061) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Vero Beach, FL.

Coastal Vero Beach, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida

Vero Beach, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $370,846 $320,332
February $369,260 $328,635
March $369,158 $337,748
April $369,810 $346,940

Homeowners insurance will help cover the cost to repair or replace your Vero Beach home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Vero Beach
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Vero Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Vero Beach, FL rates all in one place!

Saving Money Tips on Vero Beach Home Insurance

A great way to save money on Vero Beach homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Vero Beach area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
13 ft. This is the average home elevation in Vero Beach, FL

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Vero Beach, Florida.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Vero Beach, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Indian River County.

Florida Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

Vero Beach, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Vero Beach so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Vero Beach, FL?

- The average square footage in Vero Beach is around 2,166 Sq. Ft. which would cost you around $361,700 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $361,700

Location: Vero Beach, Florida (Indian River County)

Average Building Cost Per Square Foot in Vero Beach: $167 (low end)

Average Square Footage in Vero Beach: 2,166 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$361,700
Some Additional Upgrades$209$452,125
Major Home Updates or Advancements$251$542,550

The dwelling coverage is calculated by the average cost per square foot ($167) in Vero Beach, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.