Avenir, the master-planned community in Palm Beach Gardens, Florida, continues to attract families and professionals with its modern homes, resort-style amenities, and prime location. If you're building new or closing on a property in Avenir, one of your biggest priorities is finding reliable, affordable homeowners insurance that protects your investment without breaking the bank—especially in a state like Florida, where hurricane risks demand strong coverage.
At Butcher Insurance Group, Inc., we've been helping homeowners across the Treasure Coast and Palm Beach County navigate Florida's challenging insurance landscape since 2002. As an independent agency led by Stephen Butcher—a Martin County native with decades of experience in risk management and insurance—we focus on one thing: putting our clients first. We don't work for one insurance company; we work for you, shopping multiple carriers to deliver the right protection at the best possible price.
Why Avenir Homes Get Competitive Insurance OptionsNew construction homes in Avenir benefit from features that insurers love: strong masonry construction, modern hip roofs (like the 2026 designs), impact-resistant elements, and overall superior building standards. These characteristics often translate to lower premiums and better terms compared to older properties.
For example, consider a typical newly built Avenir home: a 2,732-square-foot masonry residence built in 2025, insured under an HO-3 policy with these key limits:

• Dwelling coverage: $700,000
• Other structures: $14,000
• Personal property: $350,000 (with Replacement Cost coverage)
• Loss of use: $70,000
• Personal liability: $300,000
• Medical payments: $1,000–$2,000 (varies by carrier)
• Hurricane deductible: 2% of dwelling value
• All other perils deductible: $2,500
• Additional endorsements: 25% Law & Ordinance coverage for code upgrades after a loss

We recently compared options from trusted carriers writing in Avenir and Palm Beach Gardens. Here's how they stack up for this profile:

• Frontline: $2,069.22 annually (lowest premium)
• Ovation: $2,294.66 annually
• Florida Peninsula: $3,419.61 annually
• Edison: $4,319.52 annually

Frontline stands out as the most competitive, offering substantial savings while maintaining identical core protections. These quotes reflect the advantages of your home's new-build status and resilient design, which help carriers provide robust coverage with reasonable deductibles.
What These Coverages Really Mean for You

• Personal Property Replacement Cost replaces your belongings at current prices—no depreciation headaches after a claim.
• 25% Law & Ordinance coverage is especially valuable in Palm Beach County, where building codes may require costly upgrades (like enhanced wind resistance) following a covered loss.
• $300,000 personal liability safeguards your assets if someone is injured on your property or you face a related lawsuit.
• A 2% hurricane deductible (tied to your dwelling limit) balances affordability with meaningful protection against storm damage—far better than higher percentages that could leave you exposed.

How Butcher Insurance Group Delivers for Avenir HomeownersOur independence means we actively place business with carriers writing in Avenir and greater Palm Beach Gardens, including Frontline, Ovation, Florida Peninsula, and Edison. We present side-by-side comparisons tailored to your home's exact details—square footage, construction type, roof shape, and more—so you see transparent pricing and never overpay for the same level of protection.
We also customize policies to fit your needs: adjusting deductibles, increasing liability limits, or adding endorsements to meet lender requirements or your personal comfort level. With our experience—including having weathered multiple hurricanes ourselves—we know which companies perform best when it matters most.
Ready to Protect Your Avenir Home?If you're under contract on an Avenir property, planning a new build, or simply reviewing your current coverage, now is the perfect time to get personalized quotes. Share your floor plan, contract price, closing date, or existing policy details with us, and we'll prepare a customized set of options—fast and free.
Contact Butcher Insurance Group today: 📞 (772) 463-7622 📧 [email protected]
We're here to make the insurance process straightforward, so you can focus on enjoying your beautiful new home in Avenir. Let's find the coverage that gives you peace of mind—because at Butcher Insurance Group, your protection is our priority.
Butcher Insurance Group, Inc. – Protecting Florida families since 2002. Independent. Client-focused. Always.

Save Hundreds on Treasure Coast Home Insurance with Butcher Insurance Group
If you own a home built in the last 10 years along the Treasure Coast—from Vero Beach to the Palm Beaches—you might be paying too much for insurance. At Butcher Insurance Group, a local independent agency, we’ve helped homeowners like you save hundreds annually on premiums without sacrificing coverage. Here’s how we do it and why your new construction home could be your ticket to lower rates.
Why New Homes Cost Less to Insure
Florida’s modern building codes are a homeowner’s best friend, especially on the Treasure Coast. Homes built since 2015 (or within the last decade) often feature wind-resistant roofs, impact windows, and sturdy materials—details insurers love. These upgrades lower your risk, which means lower premiums. For instance, a hip roof or storm shutters can earn you a wind mitigation discount, cutting costs significantly. We’ve seen clients in new communities like Costa Pointe in Vero Beach or Alton in Palm Beach Gardens drop their bills by hundreds just because of their home’s design.
How Butcher Insurance Group Saves You Money
As an independent Treasure Coast insurance agency, we’re not locked into one provider. We shop around, comparing policies from top carriers to find the best rates for new construction homeowners insurance. Take a Port St. Lucie family we helped: their 2018-built home had all the modern perks—roof straps, concrete block, and shutters. They were paying $3,200 a year. We found them a plan for $2,700—saving $500 with no coverage gaps. From Sebastian to Jupiter, we tailor solutions to fit your home and budget.
What Drives Savings for Newer Homes?
Here’s what makes your recent build a money-saver:

• Wind Mitigation: Features like impact windows or reinforced roofs qualify for discounts.
• Durable Materials: New homes use fire-resistant, long-lasting materials, reducing claims.
• Prime Locations: Many new Treasure Coast communities have smart drainage or elevation, lowering flood risks (though flood insurance might still be wise).
• Clean Slate: No history of leaks or repairs keeps your rates down.

We dig into these details to maximize your savings, whether you’re in Stuart, Fort Pierce, or Hobe Sound.
Act Now to Lock in Lower Rates
Florida’s insurance rates are rising, but new construction homeowners have an edge in 2025. Your home’s resilience gives you leverage, and as a Treasure Coast independent insurance agency, we know how to use it. New communities are booming here, and we’re already saving homeowners in these neighborhoods big on home insurance.
Your Next Step to Savings
Ready to save money on home insurance? If your home was built in the last 10 years and you’re between Vero Beach and the Palm Beaches, Butcher Insurance Group can help. Contact us today for a free quote—call 772-463-7622 or visitwww.butcherinsurance.com . Protect your Treasure Coast home and your wallet with a policy that fits you perfectly.

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If you own a home built in the last 10 years along the Treasure Coast—from Vero Beach to the Palm Beaches—you might be paying too much for insurance. At Butcher Insurance Group, a local independent agency, we’ve helped homeowners like you save hundreds annually on premiums without sacrificing coverage. Here’s how we do it and why your new construction home could be your ticket to lower rates.
Why New Homes Cost Less to Insure
Florida’s modern building codes are a homeowner’s best friend, especially on the Treasure Coast. Homes built since 2015 (or within the last decade) often feature wind-resistant roofs, impact windows, and sturdy materials—details insurers love. These upgrades lower your risk, which means lower premiums. For instance, a hip roof or storm shutters can earn you a wind mitigation discount, cutting costs significantly. We’ve seen clients in new communities like Costa Pointe in Vero Beach or Alton in Palm Beach Gardens drop their bills by hundreds just because of their home’s design.
How Butcher Insurance Group Saves You Money
As an independent Treasure Coast insurance agency, we’re not locked into one provider. We shop around, comparing policies from top carriers to find the best rates for new construction homeowners insurance. Take a Port St. Lucie family we helped: their 2018-built home had all the modern perks—roof straps, concrete block, and shutters. They were paying $3,200 a year. We found them a plan for $2,700—saving $500 with no coverage gaps. From Sebastian to Jupiter, we tailor solutions to fit your home and budget.
What Drives Savings for Newer Homes?
Here’s what makes your recent build a money-saver:

• Wind Mitigation: Features like impact windows or reinforced roofs qualify for discounts.
• Durable Materials: New homes use fire-resistant, long-lasting materials, reducing claims.
• Prime Locations: Many new Treasure Coast communities have smart drainage or elevation, lowering flood risks (though flood insurance might still be wise).
• Clean Slate: No history of leaks or repairs keeps your rates down.

We dig into these details to maximize your savings, whether you’re in Stuart, Fort Pierce, or Hobe Sound.
Act Now to Lock in Lower Rates
Florida’s insurance rates are rising, but new construction homeowners have an edge in 2025. Your home’s resilience gives you leverage, and as a Treasure Coast independent insurance agency, we know how to use it. New communities are booming here, and we’re already saving homeowners in these neighborhoods big on home insurance.
Your Next Step to Savings
Ready to save money on home insurance? If your home was built in the last 10 years and you’re between Vero Beach and the Palm Beaches, Butcher Insurance Group can help. Contact us today for a free quote—call 772-463-7622 or visit www.butcherinsurance.com. Protect your Treasure Coast home and your wallet with a policy that fits you perfectly.

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If your buying a home in Palm City, Stuart, Hobe Sound, Tradition or anywhere on the Treasure Coast.  Finding the best Homeowner Insurance doesn't have to be hard.  Your homeowners insurance covers more than your home it provides coverage for your family's lifestyle you've worked hard to achieve. 

Butcher Insurance Group uses a personalized customized insurance process to tailor-make a home insurance policy for you and what you value.  As an independent agency working for our customers not the insurance companies, we can advise you on the policy that is right for you.  If you're like most Treasure Coast homeowners, your home is your most valuable asset, and your insurance should provide protection for your home and family.  When your home is damaged or destroyed, you and your family needs your claim settled by an insurance company that understands the importance of the place you call home.

For over 17 years, Butcher Insurance has be helping families throughout the Treasure Coast, find homeowners insurance that will best meet their personal needs and provide the most valuable combination of tailored coverage , quality service and competitive pricing.
If you would like us to review your current policy to make sure you have coverage you want and are getting all the discount you deserve, please give a call Butcher Insurance Group (772)463-7622.

We'll make it as easy as possible, we love helping Treasure Coast families!

Hurricane season started June 1st.

Now is the time to make sure your home and home insurance will provide the protection needed.
If you are like most people on the Treasure Coast, your home is the most valuable asset you own. The first thing to do is locate your current insurance declaration page.  Now is a good time to review your coverage to make sure you are insured properly, if you would like a free professional review give Butcher Insurance Group a call 772-463-7622 we will be happy to help make sure you have the proper coverage. 

 
When searching for home insurance on the Treasure Coast, people typically focus on what happens to the home itself in the event of a claim. While it is incredibly important to understand dwelling coverage, replacing your stuff quickly becomes important in the event of a major claim!
What personal property is on your policy and how it works!
What happens when you have a major claim on your Florida Home Insurance that is a result of a total loss? The major home insurance companies will generally cut you an immediate check to cover immediate needs like a hotel stay, toothpaste, and clothes if needed. It sounds somewhat crazy, but in the immediacy of a disaster, just having the right kind of toothpaste can bring a sense of comfort. Then the long process of reassembly begins.
While rebuilding a house is a long process that involves many choices, buying enough clothes to survive many days without doing laundry is important in the near term. It's also important to begin arming the kitchen with things like ketchup and bacon. This is where Personal Property coverage comes into play. The easiest way to think of what all is included in Personal Property on a homeowners’ insurance policy is to cut the roof off a home and turn it upside down. Anything that would fall out as you shake the house is going to fall under that coverage. Kitchen appliances that are not secured to a wall or cabinet, furniture, clothes, electronics, and pantry items all fall into this designation.
So now that we've determined what is covered by personal property on a home insurance policy, what happens to it in a claim? There are two ways to settle personal property on a claim.
They are actual cash value or replacement cost.
Let's, take a look, how each works for you.
 
Actual Cash Value

1. If your home insurance policy is set up to cover your personal property on an actual cash value basis, the claims process will be somewhat simple from a process stand point. You will submit a simple inventory of items lost in the event along with an age and they will simply cut you a check for the depreciated value.
2. What is a depreciated value you ask? Well that is how much an item is worth based on its age and original value. Think about that cell phone you rocked just two years ago. Can you even sell it on E-Bay? If so, it's likely not worth much more than $25 today. So that phone that originally cost you $750 has a cash value today of $25. See where this is headed?
3. This is always the cheaper of the two options as the claim’s payout is depreciated to the remaining value of the items involved.
4. This always something to ask about with your current policy or a new quote.

 
Replacement Cost Value

1. The alternative to actual cash value is replacement cost value. That means that your stuff will be able to be replaced rather than receiving the depreciated value only. To you, that means the man cave with the 4K TV can be replaced.
2. How does it work when you need to make a claim? You will need to make a list of the items in your home to be replaced. At that point, you will be given a check for the depreciated amount of those items. But wait, you said I could get it replaced? At that point, as you go and purchase the new items keep the receipts. When you then submit them to the insurance company you will be reimbursed for the remaining amount.
3. This is the type of coverage that we recommend for our customers. This will make sure that you can re-establish your home in a proper fashion. It will cost a bit more, but in the end, you will understand if you are in a claim situation.

 
So, which one do I need on my policy?
That's a great question. The reality is that we ALWAYS recommend that you carry replacement cost coverage on your policy. We do so because it enables you to reassemble your life in the best way possible if the proverbial stuff hits the fan at some point. In helping real people with real claims, we found that getting a check for a third or half of the cost of refurnishing your home just isn't cool. And for that reason, it really is a simple equation for us to solve. If you aren't sure what you have today, feel free to give us call for a policy review. We will make sure you understand what you do and don't have with a policy.