The Gold Standard of Florida Protection
Palm Beach County's Insurance Agency for New Homebuyers
We shop A-rated Florida carriers to protect your new home in Palm Beach County — with same-day binders, lender coordination, and a local advisor who picks up the phone.
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From your new home to your boat on the Intracoastal — we handle every policy your Palm Beach County life requires.
Our Services
Frequently Asked Questions
Everything New Homebuyers Ask Us
Do I need flood insurance if my lender doesn't require it?
In most of Palm Beach County, yes. Flood damage is not covered by standard homeowner's policies, and coastal South Florida's storm history makes it a risk we always recommend addressing — even outside FEMA designated flood zones. We shop both NFIP and private flood markets.
How quickly can I get a binder for closing?
Same day in most cases. Share your property address and closing date and we'll have your binder to the lender before end of business.
Why are Florida home insurance rates so high right now?
Florida's market has seen significant rate increases due to hurricane risk, reinsurance costs, and litigation history. The good news: an independent agency like Beacon can access markets that captive agents cannot — often finding significantly better rates for new construction.
What's wind mitigation and how much can it save me?
Wind mitigation credits are state-mandated discounts for homes with storm-resistant features — impact windows, reinforced roof connections, hip roofs. New construction almost always qualifies. Credits can reduce your annual premium depending on your home's features.