Port St. Lucie Insurance Agency
Home, Auto, Flood & Business Insurance on the Treasure Coast
Protecting St. Lucie County families and businesses since 1994
Port St. Lucie Insurance: Affordable Treasure Coast Living
Port St. Lucie offers more affordable insurance than South Florida while still facing hurricane and flood risks.
Lower Rates Than South Florida
Port St. Lucie homeowners insurance costs $3,000-$6,000/year on average — 30-50% LESS than Miami, Fort Lauderdale, or West Palm Beach. The Treasure Coast insurance market is more stable with better carrier availability and competitive pricing. This is one of the reasons families are moving from South Florida to Port St. Lucie.
Hurricane Risk & Exposure
Port St. Lucie sits on Florida's Atlantic coast between West Palm Beach and Vero Beach. Hurricane risk is real — but lower than the Southeast coast. Hurricane deductibles of 2-5% apply (vs 5-10% in South Florida). Expect to pay $6,000-$20,000 out-of-pocket on a $400,000 home before insurance pays.
St. Lucie River & Flood Zones
Port St. Lucie sits inland from the Atlantic, but the St. Lucie River and numerous canals create flood exposure. Homes near waterways are in FEMA flood zones requiring flood insurance if you have a mortgage. Even inland properties face heavy rainfall flooding during hurricanes and tropical storms.
New Construction Advantages
Port St. Lucie has extensive new home construction. Newer homes built to modern building codes (post-2002) get better insurance rates. Impact windows, reinforced roofs, and concrete block construction qualify for discounts. New construction homeowners can save 20-40% compared to older homes.
Growing Community & Development
Port St. Lucie is one of Florida's fastest-growing cities. New master-planned communities like Tradition attract families from South Florida and the Northeast. Insurance carriers view Port St. Lucie favorably — more willing to write coverage and offer competitive rates than in crisis markets like Miami.
Affordable Auto Insurance
Port St. Lucie auto insurance costs $1,800-$2,800/year — significantly cheaper than Miami ($3,500-$5,000) or Fort Lauderdale ($3,000-$4,500). Lower population density, less traffic congestion, and fewer uninsured drivers keep rates down. It's one of the most affordable insurance markets in Florida.
Why Port St. Lucie Residents Choose Greene & Associates
Treasure Coast Expertise
We understand Port St. Lucie's insurance market — affordable rates compared to South Florida, growing community needs, and St. Lucie River flood risks.
Independent Agency Advantage
We represent 20+ carriers to find you competitive rates for Port St. Lucie's diverse housing market — from new construction to waterfront homes.
Fast Service & Local Knowledge
Quick quotes, same-day certificates, and deep knowledge of St. Lucie County insurance requirements.
Personal Insurance for Port St. Lucie Homeowners
Protecting your Treasure Coast home requires affordable, comprehensive coverage.
Homeowners Insurance
Port St. Lucie homeowners insurance costs $3,000-$6,000/year — one of the best values in Florida. New construction homes get even better rates ($2,500-$4,500/year). Hurricane deductibles of 2-5% are lower than South Florida (5-10%).
New home discounts: Homes built after 2002 qualify for significant discounts. Impact windows, reinforced roofs, and modern construction save 20-40% on premiums. If you're buying new construction, your insurance will be much cheaper than older homes.
Waterfront properties: Homes near the St. Lucie River or canals face higher premiums due to flood exposure, but rates are still reasonable compared to coastal Southeast Florida.
Flood Insurance
Port St. Lucie flood insurance depends on your location. Homes near the St. Lucie River, canals, or low-lying areas are in FEMA flood zones requiring coverage if you have a mortgage. Inland properties in low-risk zones should still consider flood insurance — it's affordable ($400-$800/year).
NFIP vs private flood: NFIP covers up to $250,000 dwelling. Private flood insurance is often cheaper for low-risk Port St. Lucie properties and offers higher limits. We quote both.
Cost: Port St. Lucie flood insurance costs $500-$2,500/year depending on zone and proximity to water. Much more affordable than coastal Southeast Florida ($2,000-$8,000/year).
Auto Insurance
Port St. Lucie auto insurance costs $1,800-$2,800/year — some of the best rates in Florida. I-95, Florida's Turnpike, and US-1 run through St. Lucie County, but traffic is far less congested than South Florida.
Why it's affordable: Lower population density, fewer uninsured drivers, and less traffic congestion keep Port St. Lucie auto insurance rates low. Families moving from Miami save $1,500-$2,500/year on auto insurance alone.
Uninsured motorist coverage: Still important in Florida. UM coverage protects you if an uninsured driver causes an accident.
Umbrella Insurance
Umbrella insurance adds $1-5 million in liability coverage for $200-$500/year. If you own a home, have rental properties, or drive multiple vehicles, umbrella insurance protects your assets from lawsuits. It's cheap peace of mind.
Business Insurance for Port St. Lucie Companies
From Tradition businesses to contractors serving St. Lucie County, we protect local companies.
General Liability
Protects Port St. Lucie businesses from customer injuries, property damage claims, and lawsuits. Required by most commercial leases. Starting at $500-$1,500/year.
Workers Compensation
Required in Florida if you have employees. Port St. Lucie contractors, restaurants, and medical practices must carry workers comp. We find competitive rates.
Commercial Property
Protects your building, equipment, and inventory from fire, wind, theft. Port St. Lucie businesses need hurricane coverage.
Business Owners Policy (BOP)
Combines general liability, commercial property, and business interruption. Ideal for Port St. Lucie retail, offices, and restaurants.
Commercial Auto
Port St. Lucie businesses with company vehicles need commercial auto insurance. Covers vehicle damage, driver injuries, and liability.
Cyber Liability
Port St. Lucie businesses that collect customer payment info need cyber insurance. Covers data breaches and ransomware. Starting at $500-$2,000/year.
Insurance by Industry in Port St. Lucie
We specialize in insurance for Treasure Coast industries.
Port St. Lucie & St. Lucie County Areas We Serve
Greene & Associates Insurance serves homeowners and businesses across the Treasure Coast.
Port St. Lucie
Tradition, St. Lucie West
Fort Pierce
County seat, historic downtown
Tradition
Master-planned community
St. Lucie West
Established neighborhood
Jensen Beach
Martin County border
Hutchinson Island
Atlantic barrier island
Port St. Lucie West
Growing neighborhoods
St. Lucie County
All areas served
Carriers We Represent in Port St. Lucie
Access to 20+ carriers means competitive Treasure Coast rates.
Trusted Carriers We Represent
Port St. Lucie Insurance FAQ
Why is Port St. Lucie insurance cheaper than South Florida?
Port St. Lucie sits further north on the Treasure Coast with lower hurricane frequency than Miami/Fort Lauderdale. The insurance market is more stable, carriers are more willing to write coverage, and competition keeps rates down. Plus, Port St. Lucie has lots of new construction built to modern codes — those homes get significant discounts.
Do I need flood insurance in Port St. Lucie?
It depends on your location. Homes near the St. Lucie River, canals, or in low-lying areas are in FEMA flood zones and require coverage if you have a mortgage. Inland properties in low-risk zones aren't required to have flood insurance, but it's affordable ($400-$800/year) and worth considering.
How much can I save on insurance by moving to Port St. Lucie from South Florida?
Families moving from Miami, Fort Lauderdale, or West Palm Beach save $2,000-$4,000/year on homeowners insurance and $1,500-$2,500/year on auto insurance. That's $3,500-$6,500 in annual insurance savings — a major reason people are relocating to the Treasure Coast.
Get a Port St. Lucie Insurance Quote Today
Port St. Lucie offers some of the best insurance values in Florida. Let us shop 20+ carriers to find you affordable, comprehensive coverage on the Treasure Coast.
Serving Port St. Lucie, Fort Pierce, Tradition, St. Lucie West, Jensen Beach, and all of St. Lucie County