State Farm has earned the position of our second runner-up, mainly due to its strong presence of agents in Port St. Lucie and South Florida. This is crucial because it ensures that you’ll have plenty of State Farm agents available after severe storms or hurricanes, as well as claims adjusters and claims offices right in Port St. Lucie.
State Farm offers a reliable standard homeowners insurance policy that you can personalize with additional coverages to match your specific needs. These additional coverages include protection for meeting ordinance and law requirements, safeguarding against identity theft, and insuring valuable items like jewelry.
When it comes to financial stability, State Farm boasts the highest possible rating from AM Best, an impressive A++. This rating demonstrates their strong financial strength and reliability.
State Farm gives you the option to add replacement cost coverage for your home, other structures, and personal belongings. This coverage ensures that damaged items are replaced at their current market value without considering depreciation. Without this endorsement, the replacement value is calculated based on the actual cash value of the items. However, insurance companies will not cover flood damage, so if you’re looking for flood coverage (due to Port St. Lucie’s coastal location), you will need to get a separate flood insurance quote from NFIP.
To obtain a quote from State Farm, you can start the process online. However, to purchase a homeowners insurance policy, you’ll need to work with a local agent. State Farm also provides convenient online tools and resources that allow policyholders to file claims, manage their accounts, enroll in paperless billing, and access a comprehensive resource library for more information on insurance-related topics.
Average premium for State Farm homeowners insurance in Port St. Lucie: $144/month