Average Cost of Home Insurance in Lantana, Florida The only entity that can require homeowners insurance in Lantana is a mortgage lender. No law requires you to have coverage. But, if you have a mortgage, your lender will mandate coverage for the life of the loan to protect their investment. If you don’t maintain insurance during your mortgage, your lender will force-place insurance on you. Force-placed coverage is more expensive and limited than a standard policy you can find yourself.
Key Takeaways
- The average homeowners insurance cost in Lantana, Florida, is about $3,866 per year.
- American Platinum had the cheapest home insurance in Lantana, according to our data.
- Comparing quotes from multiple companies is the best way to save money on home insurance. You should always shop around before you buy.
How Much Is Homeowners Insurance in Lantana, Florida?
The average cost of homeowners insurance in Lantana is about $3,866 annually, which is 35% higher than the state average. Florida has home insurance rates overall, and South Florida is especially costly due to the significant threat of hurricane damage every year.
Also, many expensive homes in the area cost more to insure and skew the average insurance cost higher when looking at all the properties. Palm Beach County has some of the highest premiums in the state, trailing only Broward, Monroe, and Miami-Dade.
As an independent agency based in Fort Lauderdale, we have helped many in Lantana find coverage, and we can list their actual, average premiums to help others seeking insurance in the city know what they may be expected to pay.
| Company | Average Premium |
|---|---|
|
American Platinum |
$3,119 |
|
Citizens Property Insurance Corp. |
$6,465 |
|
Mangrove Property Insurance |
$6,492 |
|
Average |
$3,866 |
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Cheapest Homeowners Insurance in Lantana, Florida
American Platinum had the cheapest home insurance in Lantana for our policyholders. However, rates vary for many reasons, and you won’t know which provider is cheapest for you until you get quotes.
American Platinum is a Florida-based insurer that writes policies in the Sunshine State and Georgia and is available exclusively through our team at Clovered. Citizens, the second-most affordable choice on our list, is notable because it’s not a standard, profit-seeking insurance company.
Citizens is a state-run insurer of last resort managed by the Florida state government that artificially subsidizes its prices for people who have trouble finding affordable coverage in the private market. You can only get Citizens if you acquire three quotes from standard insurers that are all over 20% of your Citizens quote.
Our job is to match you with the coverage you need at the best possible price, whether you bind with the companies above or any of our many other partners not listed. We’re here to help you and make the insurance shopping process easy.
Best Homeowners Insurance Companies in Lantana, Florida
While price is often the first aspect of insurance coverage people think about, it isn’t the only factor when deciding which carrier is the best for you. You should also consider coverage needs, discounts, customer service, and other personal preferences, which makes finding the company that’s the best fit different for each person.
We are prepared to help you decide. We can present more information on some of our partners below for more context. Average premiums are determined from our policyholder data. Financial strength is determined by each company’s ratings from Demotech, a leading insurance industry credit rating agency.
To gauge consumer satisfaction, we used the National Association of Insurance Commissioners’ complaint index, which compares a firm’s consumer complaint performance with other companies in the market. The default index number is 1.0, meaning a company with a complaint index of 2.0 has a complaint value twice as high as expected. So, for their scale, lower is better.
American Platinum
Demotech Rating
A
NAIC Complaint Index
1.95
Average Premium
$3,119
American Platinum Insurance Company, founded in 2011, is a subsidiary of Universal Insurance Holdings, offering home insurance coverage in Florida and Georgia. Policies are available exclusively through independent agents at Clovered.
Citizens
Demotech Rating
NR
NAIC Complaint Index
0.69
Average Premium
$6,465
Citizens Property Insurance Corporation is Florida’s state-run home insurer of last resort. It’s a non-profit entity that provides property insurance to state residents who are unable to obtain coverage in the traditional, private market.
Mangrove Property Insurance
Demotech Rating
A
NAIC Complaint Index
0.00
Average Premium
$6,492
Mangrove Property Insurance Company was founded in 2025 in Florida and offers home insurance coverage only in the Sunshine State. It is distributed through independent agents.
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Lantana Homeowners Insurance Coverages
No matter where you get your home insurance plan, the coverage you receive remains standard. Policies are typically separated into six major coverage areas, financially protecting your property and liability in several ways.
| Coverage | Definition |
|---|---|
|
Dwelling Coverage |
Dwelling coverage covers your home’s structure and components, including the roof, walls, flooring, balconies, pipes, HVAC, and more. |
|
Other Structures Coverage |
Other structures coverage covers fixtures on your property unattached to the main house, such as sheds, pools, fences, and detached garages. |
|
Personal Property Coverage |
Personal property coverage covers your possessions, including furniture, electronics, clothing, tools, and jewelry, in case of damage or theft. |
|
Loss of Use Coverage |
Loss of use coverage can temporarily cover living expenses if your home suffers severe damage and you’re forced to move out. Your insurer can cover lodging, food, and more while your home is repaired. |
|
Liability Coverage |
Liability coverage covers medical bills and legal fees if you’re found legally responsible for causing injuries to someone else. |
|
Medical Payments Coverage |
Medical payments coverage helps cover minor medical expenses if someone is hurt around your property without the need for legal liability. |
How to Get Homeowners Insurance Quotes in Lantana
While you can take the time to shop around and review your options on your own, don’t hesitate to reach out to an independent insurance agency if you need help with your Lantana homeowners insurance quotes.
Our team at Clovered specializes in simplifying the insurance search process. Utilize our online quoting platform to compare plans in minutes from the comfort of your home. Or, chat with one of our licensed agents for a quote over the phone by calling 833-255-4117 during business hours. You can also email us at agent@clovered.com.
We’re based in nearby Fort Lauderdale, so we have the regional expertise and experience to protect properties in South Florida. When you reach out to our team, you’re speaking with a fellow state resident.
It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Lantana Home Insurance FAQs
Is homeowners insurance required in Lantana, Florida?
What factors affect Lantana home insurance rates?
Insurers consider many factors when determining home insurance rates. Home characteristics, policy details, and claims history are the most significant. Your house’s age, size, location, construction materials, and condition will affect your costs. Policy specifics like coverage amounts and deductibles directly determine your premiums, too. And, individuals or properties with a history of home insurance claims will have higher premiums. Carriers believe that a person or place with prior claims is more likely to experience another claim, thereby increasing financial risk.
Do you need flood insurance in Lantana?
Only property owners with mortgages who live in federally designated high-risk flood zones need to have flood insurance in Lantana. The Federal Emergency Management Agency (FEMA) creates and maintains flood risk maps for the country. If your house is in a FEMA high-risk zone, your lender will require you to have flood insurance in addition to homeowners insurance for a mortgage. In Lantana, homes along the Intracoastal and east of the Dune on Lantana Beach could be in these high-risk areas.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.
