Updated: December 1, 2025
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In West Palm Beach, Florida, Nationwide is the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best.
These companies meet different needs, so choose based on what's important to you. These coverages vary in price and satisfaction, so consider factors like cost and service quality when picking.
Best HomeInsuranceWest Palm BeachTable of Contents
Why Trust MoneyGeek? We used data and rates from the Florida Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in West Palm Beach.
Home insurance premiums in West Palm Beach represent the latest available quotes as of September 2024.
MoneyGeek found that Nationwide is the best option for home insurance in West Palm Beach, Florida. It has a MoneyGeek score of 93 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in West Palm Beach, Florida, range from 38 to 93. These figures reflect MoneyGeek's scoring system, where insurers receive different scores based on factors like credit history and the age of your home.
| Nationwide | 93 | $2,086 |
| State Farm | 92 | $2,222 |
| Allstate | 77 | $3,880 |
| Chubb | 76 | $6,540 |
| Florida Peninsula Insurance | 75 | $4,458 |
| ASI | 59 | $5,605 |
| Heritage Insurance | 54 | $6,248 |
| Universal Property | 38 | $9,362 |
MoneyGeek found that Nationwide is the best option in West Palm Beach, Florida, for $100K dwelling coverage. The two best overall home insurance companies in West Palm Beach for $100K dwelling coverage are:
Nationwide ranks as the best home insurance provider thanks to its affordable rates and broad coverage, both of which strongly influence its MoneyGeek score.
In West Palm Beach, Florida, home insurance prices and service quality differ by company. While cost matters, it’s also worth looking at customer satisfaction and coverage options, especially since these can make a big difference when you need to file a claim.
Nationwide has high affordability and satisfaction scores, making it a top choice. It offers comprehensive home insurance with cyber event/ID theft and scheduled personal property coverages. You can save with discounts like home renovation and roofing material. Renovating your home's systems or having a newer roof can help you qualify.
Nationwide also provides useful coverages like service line protection, equipment breakdown and building ordinance or law. These coverages help protect against unexpected repair costs and ensure your home meets current building codes. With a MoneyGeek score of 93, Nationwide is a reliable option for homeowners.
MoneyGeek found that Chubb offers the best customer service for home insurance in West Palm Beach, Florida. Top providers for $100K dwelling coverage:
Chubb earned its ranking with excellent customer satisfaction ratings and comprehensive coverage options. The insurer handles claims efficiently and provides strong support throughout the process.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance coverage with options like guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers the costs of bringing your home up to code. Cash settlement allows you to get a cash payout if you choose not to rebuild after a total loss.
MoneyGeek found that Nationwide offers the best affordable home insurance in West Palm Beach for homes with $100,000 in dwelling coverage. The top two providers for this coverage level are:
Nationwide earns high marks for its affordable rates and solid coverage, both of which contribute to its strong MoneyGeek score.
When looking at the average cost of homeowners insurance in Florida, cheaper plans often come with lower coverage limits. They can save you money upfront, but they may not cover all your expenses if you need to make a claim.
If you’re trying to keep costs down, start by comparing the cheapest homeowner insurance companies. The best budget-friendly option offers reasonable prices without cutting too much on protection, something Nationwide does well.
Nationwide has high affordability and satisfaction scores, making it a top choice. It offers cyber event/ID theft and scheduled personal property coverages. You can save with discounts like bundle and protective device. For example, you get a discount if your home has smoke detectors.
Nationwide's cyber event/ID theft coverage helps protect your personal data. Scheduled personal property covers valuable items like jewelry. Guaranteed replacement cost can pay to rebuild your home if needed. These coverages are useful for keeping your home and belongings safe.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2025
Many factors, including location, impact homeowners insurance in West Palm Beach. To save money, compare rates from at least three companies. This can take over an hour, as each takes around 15 minutes. Use MoneyGeek's home insurance calculator for quick savings by focusing on key factors. Enter details like your age, coverage details and credit score to get an estimate.
Nationwide offers the best value for homeowners insurance in West Palm Beach, Florida. Your dwelling coverage amount determines your premium:
Nationwide wins for basic coverage with its low rate and MoneyGeek score of 96. State Farm offers better value at higher coverage levels, balancing cost with comprehensive protection.
Choose the cheapest homeowners insurance in Florida to help lower your monthly costs and leave more room in your budget for other priorities.
| Nationwide | $2,086 |
| State Farm | $2,222 |
| Allstate | $3,880 |
| Florida Peninsula Insurance | $4,458 |
| ASI | $5,605 |
| Heritage Insurance | $6,248 |
| Chubb | $6,540 |
| Universal Property | $9,362 |
State Farm is the cheapest home insurance provider for high-value homes in West Palm Beach, Florida. Homes that cost more to replace need high dwelling coverage, which raises home insurance costs.
State Farm offers affordable rates for high-value homes in West Palm Beach. MoneyGeek's analysis shows it provides some of the lowest prices, though it doesn't rank highest overall. Its competitive pricing attracts many local homeowners.
| State Farm | $9,911 |
| Nationwide | $14,116 |
| ASI | $32,508 |
| Florida Peninsula Insurance | $36,375 |
| Allstate | $42,343 |
| Chubb | $48,123 |
| Universal Property | $49,615 |
| Heritage Insurance | $50,521 |
State Farm offers the lowest home insurance rates for new homes in West Palm Beach, Florida.
State Farm offers competitive pricing for new homeowners in West Palm Beach. The lowest premium doesn't guarantee the best value when coverage and service differ between insurers. Your policy should adequately cover your property and belongings.
| State Farm | $876 |
| Nationwide | $1,035 |
| Allstate | $1,470 |
| ASI | $2,181 |
| Florida Peninsula Insurance | $2,590 |
| Heritage Insurance | $2,789 |
| Universal Property | $4,089 |
| Chubb | $4,325 |
Affordable homeowners insurance balances cost with coverage quality and customer service. Your best West Palm Beach option depends on your home's value, location and coverage needs. Compare coverage limits, deductibles and company reputation alongside premiums:
Figure out how much home insurance you need in West Palm Beach by reviewing your rebuilding costs, the value of your personal belongings and the level of liability protection you want.
Look into the insurers that offer coverage in West Palm Beach. Give more attention to companies with strong financial ratings and consistently positive customer reviews.
After identifying the coverage you need, gather multiple quotes. In West Palm Beach, annual premiums for $100,000 in dwelling coverage range from $2,086 to $9,362.
Talk to your insurer about savings opportunities, including policy bundles, safety upgrades or a clean claims history.
Choosing a higher deductible can reduce your premium, but keep the amount reasonable so it’s manageable during a claim.
Upgrading your home with alarms, cameras or durable locks enhances safety and may lower your insurance costs.
Your credit score plays a role in West Palm Beach insurance rates. Paying bills on time and keeping debt low can support better pricing.
Pair your homeowners insurance with another policy, like auto coverage, to unlock additional discounts and savings.
The best cheap home insurance provider in West Palm Beach depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in West Palm Beach, Florida.
The average annual premium for home insurance in West Palm Beach, Florida, is $3,721.
Nationwide is the cheapest home insurance company in West Palm Beach, Florida, with an annual premium of $2,086.
The best home insurance in Florida for West Palm Beach residents is provided by Nationwide, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
