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 affordable homeowners insurance in Palm Beach County since 1998, and we've taken clients through every major named storm — Frances, Jeanne, Wilma, Matthew, Irma, Ian. We know which carriers actually pay claims fast in Florida and which ones drag their feet.

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 is often cheaper than NFIP for higher-value homes. Wind Mitigation Credits: Shutters, impact windows, hip roof, roof-to-wall straps, and recent roof age can each cut your wind premium significantly. A free wind mitigation inspection routinely saves clients 20–40% on the wind portion of their policy. We arrange one 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 know which carriers pay claims fast 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 make sure you get every credit you've earned. 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.