Life Insurance Agencies in Delray Beach, FL

Delray Beach at a glance

• 8life insurance agencies listed
• 36.8%of households rentRenters insurance
• $420,300median home valueHome insurance
• 1983median year homes were builtRebuild cost calculator
• 7.3%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 Delray Beach 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 Delray Beach agencies are

Delray Beach agencies we list sit in 4 ZIP codes, mostly in Palm Beach County.

• 334453 agencies
• 334442 agencies
• 334832 agencies
• 334841 agency