Palm Beach Gardens has 60,959 residents in 27,294 households. We list 178 insurance agencies in Palm Beach Gardens. Here is what the local numbers say about the cover people here need.

Palm Beach Gardens at a glance

178insurance agencies listed
27%of households rentRenters insurance
$606,100median home valueHome insurance
1995median year homes were builtRebuild cost calculator
4.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Palm Beach County

FEMA rates the overall natural hazard risk in Palm Beach County, where most Palm Beach Gardens agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Florida

Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance How much liability cover do you need?

Source: leg.state.fl.us. Checked 2026-10-24.

Where Palm Beach Gardens agencies are

Palm Beach Gardens agencies we list sit in 2 ZIP codes, mostly in Palm Beach County.

33410100 agencies
3341878 agencies

Questions

Insurance agencies in Palm Beach Gardens

How do I find an insurance agency in Palm Beach Gardens?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Palm Beach Gardens?

Most often life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Palm Beach Gardens?

FEMA's National Risk Index rates inland flooding risk in Palm Beach County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Palm Beach Gardens?

27% of households in Palm Beach Gardens rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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