Best & Cheapest Homeowners Insurance In Boca Raton, FL, 2025

Universal Property & Casualty offers the cheapest homeowners insurance to homeowners in Boca Raton, with an average annual quote of $1,195.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 22 July 2025
Written by Bob Phillips
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In Boca Raton, Universal Property & Casualty provides the cheapest policy, with average annual rates of $1,195. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Boca Raton experiences 139 residential burglaries per 100,000 residents annually. Additionally, Boca Raton’s rates climb with hurricane winds, flood-zone maps, older wood-frame roofs, termite trouble, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Boca Raton, FL.

Key Takeaways

  • Universal Property & Casualty provides the cheapest home insurance policy in Boca Raton, at an average annual rate of $1,195

  • The average cost of homeowners insurance in Boca Raton is $4,410 per year.

  • There are various ways to save on your premiums, such as shopping around for quotes and reassessing your coverage needs.

Cheapest Homeowners Insurance In Boca Raton

Universal Property & Casualty is the cheapest overall carrier for homeowners insurance in Boca Raton, FL, with an average annual rate of $1,195.

Company Annual Premium
State Farm $1,265
Universal Property & Casualty $1,195
Homeowners Choice $1,220
Town Hill $1,295
People’s Trust $1,310

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Cheapest Homeowners Insurance In Boca Raton If You Have Poor Credit

If your credit score is poor, People’s Trust provides the most affordable solution, with an average annual rate of $1,728.

Insurance Company Average Annual Premium
Tower Hill $1,888
State Farm $1,943
People’s Trust $1,728
Homeowners Choice $1,832
Universal Property & Casualty $1,785

Cheapest Homeowners Insurance In Boca Raton For Older Homes

For those with older homes, Universal Property & Casualty offers the cheapest rates, averaging $1,678 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Insurance Company Average Annual Premium
People’s Trust $1,775
Universal Property & Casualty $1,678
Tower Hill $1,723
Homeowners Choice $1,824
Florida Peninsula $1,889

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Security First offers the most cost-effective solution, with an average annual rate of $1,135.

Insurance Company Average Annual Premium
State Farm $1,285
Universal Property & Casualty $1,305
Security First $1,135
Heritage $1,340
People’s Trust $1,390

Cheapest Home Insurance In Boca Raton For A History Of Claims

For homeowners with a history of claims, Universal Property & Casualty provides an affordable solution, with an average annual rate of $1,530.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Insurance Company Average Annual Premium
State Farm $1,610
People’s Trust $1,690
Citizens Property $1,720
Universal Property & Casualty $1,530
Heritage $1,645

Best Homeowners Insurance Companies In Boca Raton, FL

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Boca Raton, FL. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
State Farm $1,280
Alstate $1,440
Universal Property & Casualty $1,335
Citizens Property $1,490
Heritage $1,525

How Much Is Homeowners Insurance In Boca Raton, FL?

The average cost of home insurance in Boca Raton is approximately $4,410 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Boca Raton are more expensive than the National average and Florida State average.

Area Average Monthly Rate
National $1,820
Florida $3,390
Boca Raton $4,410

Average Boca Raton Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Boca Raton, FL can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Boca Raton.

ZIP Code Average Annual Premium
33431 $1,535
33432 $1,695
33433 $1,460
33434 $1,415
33496 $1,720

Cheapest ZIP Codes For Home Insurance In Boca Raton

At $1,415 per year, the ZIP code 33434 is the cheapest average ZIP code for home insurance in Boca Raton.

ZIP Code Average Annual Premium
33434 $1,415
33433 $1,460
33431 $1,535
33496 $1,720
33428 $1,540

Most Expensive ZIP Codes For Home Insurance In Boca Raton

The most expensive ZIP code in Boca Raton is 33496, at an average annual premium of $1,720.

                                   ZIP Code Average Annual Premium
33432 $1,695
33496 $1,720
33487 $1,640
33431 $1,535
33498 $1,580

Average Home Insurance Rates In Boca Raton, FL By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Boca Raton, FL. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Baton Raton fluctuate with insurers for different deductible amounts:

Insurer Annual Rate for $500 Deductible Annual Rate for $1,000 Deductible Annual Rate for $1,500 Deductible
State Farm $1,695 $1,580 $1,530
Universal Property & Casualty $1,740 $1,615 $1,565
Allstate $1,785 $1,645 $1,590
Heritage $1,820 $1,695 $1,640
People’s Trust $1,855 $1,725 $1,670

Average Home Insurance Rates In Boca Raton, FL By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners’ insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,430
$250,000 $1,690
$300,000 $2,065
$350,000 $2,285
$400,000 $2,740

Compare Home Insurance Rates To Other Cities In Florida

The following table shows the average rates of home insurance across various cities in Florida.

City Annual Premium
Gainesville $1,399
Miami $3,944
Tallahassee $1,286
Fort Myers $1,902
Fort Lauderdale $2,572
Jacksonville $3,040
St. Petersburg $1,325
Tallahassee $1,286
Melbourne $1,798
Cape Coral $1,687
Lake City $2,924
Miami Lakes $5,950
Naples $2,530
Ocala $1,960
Pensacola $2,115
Tampa $2,270
Port St. Lucie $2,024

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Florida

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

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