March 05th, 2025

​Save Hundreds on Treasure Coast Home Insurance with Butcher Insurance Group

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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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