Condo insurance in West Palm Beach

Whether you want to party on Clematis Street or enjoy all the outdoor activities South Florida has to offer, making West Palm Beach your home was a good call. The city has something for everyone. 

But owning a condo anywhere in South Florida comes with some risk, and that’s why quality condo insurance is a must. 

That’s where we come in. We work hard to keep Florida condo insurance affordable so you can protect your investment and still enjoy all West Palm Beach has to offer. Let’s take a look at how much insurance might cost and how choosing Kin may keep cost down.

Condo insurance costs in West Palm Beach 

Most Floridians know about the high cost of property insurance in their state. Issues like costly reinsurance, increasing weather risks, and excessive litigation have driven premiums sky high. 

Those issues affect the cost of condo insurance in West Palm Beach, as does the city’s proximity to the coast. That brings on a greater chance of having a catastrophic claim, and that likely sends your premium over the state average.

However, we also consider your condo’s unique qualities when determining your premium, such as:

• Construction materials.

• Age.

• Claims history.

• Number of stories.

Looking at these and other factors help us better understand your risk so we can price your HO6 policy fairly. Condo owners who switch to Kin report saving an average of over $400 per year.*

To find out what you’ll pay for coverage, get a quote! It’s quick and easy.

Coverage for West Palm Beach’s biggest risks

Condo insurance covers most of the common claims owners make, including fire, wind damage, theft, and vandalism. But West Palm Beach is exposed to natural disasters. Let’s take a look at how a policy from Kin might cover losses from hurricanes and sinkholes.

Hurricane coverage

West Palm Beach has been spared a direct hit by a hurricane in recent years, but residents know that they need to be prepared for the possibility of a major storm blowing through. Even being sideswiped by a hurricane can bring high winds and rain that can cause substantial damage. 

Good thing our condo policies include hurricane insurance. When a named storm damages your home and you file a claim, your hurricane deductible applies. Our minimum hurricane deductible is either 1% of your Coverage A or $500.

Sinkhole insurance

Palm Beach is part of the Florida landscape prone to sinkholes. The ground has a high concentration of limestone, and when saturated by rain or storms, it can easily collapse. All our condo insurance policies cover catastrophic ground cover collapse. You can also add a sinkhole endorsement if you’d like additional coverage.

City guides for Florida condo insurance

• Delray Beach
• Fort Lauderdale
• Hialeah
• Hollywood
• Miami
• Jacksonville
• Port St. Lucie

Tips for keeping condo insurance affordable

Want to save even more on your West Palm Beach condo coverage? We offer discounts for:

• Your condo’s wind mitigation features.

• Having a fire protection device.

• Signing up for an electronic policy.

On top of discounts, you can save by increasing your deductible. As a rule, the higher your deductible, the lower your premium. We can help you find the right balance between affordable prices and comfortable out-of-pocket expenses.

Get a quote and get a better West Palm Beach condo insurance policy today!

*Customers who switched to Kin report annual savings of $437 on average on their condo insurance. Based on Kin Customer Savings Survey conducted from January 2023 through January 2024. Potential savings may vary.