Homeowners Insurance in Palm Beach County, FL

Owning a home in Palm Beach County means dealing with risks that homeowners in most of the country never see: hurricane wind, named-storm deductibles, flood zones, and rising rebuild costs every year. A homeowners policy that works for Ohio doesn't work in Lantana or Boynton Beach. At B & B Insurance Agency, every policy we write is shopped against multiple Florida-specialty carriers and tailored to where your home actually is (coastal, inland, gated community, waterfront, or historic neighborhood). We've been writing homeowners insurance in Palm Beach County since 1998, and we've taken clients through every major named storm since then, including Frances, Jeanne, Wilma, Matthew, Irma, and Ian. When a storm hits, we help you report the claim and follow it with the carrier.

Every Florida homeowners policy comes down to three choices most homeowners don't fully understand until it's too late: Wind / Hurricane Deductible: Florida law allows insurers to apply a separate deductible (typically 2%, 5%, or 10% of dwelling coverage) for named-storm or hurricane damage. On a $400,000 home with a 5% wind deductible, you'd pay the first $20,000 of any hurricane claim out of pocket. We help you weigh deductible vs. premium and pick the right number for your risk tolerance. Flood Insurance: Standard homeowners policies do NOT cover flood, period. In Palm Beach County, every home east of I-95 and many west of it should carry a flood policy through NFIP or a private flood carrier. Private flood may cost more or less than NFIP depending on the home, so we compare both. Wind Mitigation Credits: Shutters, impact windows, hip roof, roof-to-wall straps, and recent roof age may each qualify for credits that lower the wind portion of your premium. A current wind mitigation inspection report documents these features, and we review wind mitigation on every quote.

Insurance needs change block by block in South Florida. Here's how we tailor coverage by area: Lantana, FL: Coastal wind exposure, flood zones along the Intracoastal, older homes in the historic core. Our office is on N Dixie Hwy — see our Lantana page for local details. West Palm Beach, FL: Mix of bungalows, gated communities, and high-rise condos. Each needs a different policy. Downtown bungalows in El Cid and Flamingo Park need replacement cost adjustments for older construction. Boynton Beach, FL: Heavy 55+ community market (Valencia, Hunters Run, Quail Ridge) plus waterfront properties east of Federal. HOA-related coverage requirements matter. Riviera Beach & Singer Island: Waterfront wind/flood, plus older mainland properties. Waterfront and Coastal Properties: Higher wind premiums, mandatory flood, and stricter wind mitigation requirements. We work with carriers that actually write Florida coast — many national carriers won't.

Independent Agency, Not a Captive: We're not selling one company's policy. We shop multiple Florida-specialty carriers and present you the actual options. Local Expertise: We're at 412 N Dixie Hwy in Lantana. Our agents live in Palm Beach County and write Florida policies every day. We help clients through the claims process after a storm. Wind Mitigation Reviews Free: Every quote we write includes a wind mitigation review. If you have shutters, impact glass, a newer roof, or hip-roof construction, we check that every credit your home qualifies for is applied. Long-Term Service: When you have a claim, you reach us directly, not a 1-800 number. We've taken clients through every major hurricane since 1998.