Condo insurance in Port St. Lucie

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Why is Port St. Lucie so often listed as one of the state’s top places to live? The town’s friendly people, clean streets, and affordable housing are at least some of the reasons.

But being nestled on Florida’s Treasure Coast also means the city faces risks that make condo insurance essential. Let’s take a look at what those risks are, how they impact your condo insurance premiums, and what we’re working to keep coverage affordable.

What risks do Port St. Lucie condo owners face?

When you think about risk in Port St. Lucie, the first thing that comes to mind is probably weather. The town has experienced direct hits from hurricanes on at least three occasions, and Risk Factor describes Port St. Lucie’s wind risk as “extreme.”

Weather risks	Other risks
Extreme wind risk	Average property crime risk
Moderate flood risk
Moderate wildfire risk

Wind isn’t the only natural event that can wreak havoc on your property in Port St. Lucie. Flooding, while not as big of a risk as wind, is another hazard you need to be aware of. Flood maps from the Federal Emergency Management Agency (FEMA) show most of the city is designated as Flood Zone X, but there are places noted as Flood Zone A and AE.

Wildfires are also a legitimate concern in Port St. Lucie. Risk Factor claims 35% of properties have some risk of being affected by wildfire over the next 30 years.

Please note: Condo insurance does not cover flood damage, but you can address your flood risk by purchasing flood insurance.

In addition to weather-related hazards, condo owners in Port St. Lucie do have some risk of property crime. Luckily, the risk for these crimes is about average when compared to all other cities and towns in the US.

How do Port St. Lucie’s risk factors impact condo insurance costs?

Any type of increased threat for property damage leads to higher rates, so the risk factors present in Port St. Lucie create upward pressure on your condo insurance premiums.

But not everyone in your city pays the same amount. Premiums also depend on a variety of other factors, such as:

The age and condition of your building.
Your insurance score.
The amount of coverage you select.
Your claims history.

How to save money with condo insurance from Kin

On average, Florida condo owners report saving an average of $411* on their insurance when they switch to Kin.

A big reason for this is our technology that combs through publicly available resources to evaluate key data points. By analyzing more data, we’re able to set premiums that more accurately reflect the risks your condo faces.

Other factors play a role, too. The amount of coverage and the deductibles you choose can drive your premiums up or down. Choosing less coverage or larger deductibles helps decrease your insurance premiums. However, you want to think carefully about the amounts you choose. You don’t want to be underinsured, nor do you want to pick a deductible you can’t afford after a catastrophic loss.

We offer the following condo insurance deductible options in Port St. Lucie:

Standard deductibles: $500, $1,000, $2,500, $5,000
Hurricane deductibles: $500 or 1%, 2%, 5%, or 10% of your Coverage A limits.

You might also qualify for a few condo insurance discounts, such as those offered for:

Strong wind mitigation features.
Fire protective devices.
Water monitoring devices.
Security systems.
Condo owners over 50 years old.

Port St. Lucie condo insurance FAQ

Once you have the information you need, protecting your condo is easy. Start with these article:

Resources for condo owners in Port St. Lucie

Guides to condo insurance for Florida cities

How to get condo insurance Port St. Lucie

While other insurance companies have withdrawn from Florida because of the high cost of hurricanes, we’re committed to Florida for the long haul.

The easiest way to get condo insurance is to enter your address now.

*Based on Kin Customer Savings Survey conducted October 2022 - October 2023. Potential savings may vary.

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The opinions expressed belong solely to individual reviewers and do not reflect the opinions of the Kin Insurance, Inc. group of companies or affiliates. Reviews are provided for informational purposes only.