How Much Does Renters Insurance Cost in Port St. Lucie, FL?
Port St. Lucie pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Port St. Lucie's diversified economy.See our methodology
Renters Insurance Pricing in Port St. Lucie, FL
Port St. Lucie offers near-average pricing for renters insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 215K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Port St. Lucie: growing market with competitive contractor rates.
Port St. Lucie has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Port St. Lucie vs National Average
What Affects Renters Insurance Cost in Port St. Lucie?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Port St. Lucie Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
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Top-Rated Renters Insurance Pros in Port St. Lucie, FL
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Tips to Save on Renters Insurance in Port St. Lucie
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Port St. Lucie Cost Trends (2020–2024)
Prices have increased +20.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $15 | — |
| 2021 | $16 | +6.7% |
| 2022 | $17 | +6.3% |
| 2023 | $17 | +0.0% |
| 2024 | $18 | +5.9% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Port St. Lucie
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Port St. Lucie than other cities?
Port St. Lucie's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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