Fort Lauderdale Insurance Rates:

Fort Lauderdale, FL homeowners insurance is about $1,014 to $1,376, about $84-$114/month. Our in depth analysis shows customers can save as much as $478 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

People's Trust Insurance
I would absolutely recommend People's Trust to other homeowners and have.They have their customers in mind and really try their best to give their customers the best possible rate.
My insurance premium for my home insurance is fairly low compared to all other home insurance offices. And they also offer a discount that goes down every year.
Citizens Property Insurance
The prices of the insurance are very high.On several occasions they do not meet the conditions of the contracts and do not comply with the conditions of the contracts
With the bundling discounts I am happy with USAA's homeowner insurance premiums. I have not had to make any claims that would affect my premiums, however.
Price is the only area that I dislike when it comes to USAA's home insurance. They are definitely higher than every other company we looked at when shopping around, and they do use your credit when assessing your rate.
I would recommend Geico to other homeowners because of the ease of access, affordability, and quick customer service. They make you feel like a person and not a number.
I would recommend Nationwide. We've been with them for home and auto for well over 20 years and have never had issues, except for the high rates we paid when our children were teenagers, which is the norm.
Geico home insurance is great. they are so easy to work with and they always provide the best customer service that you can ask for.
State Farm
I do not like that their office is closed on saturday, the one day when it's really easy to take care of business and time is a bit more leisurely.
Something thing that i absolutely love about nationwide is how they work with my payments. my insurance is escrowed as part of my monthly mortgage payments.
Liberty Mutual
When I shopped for insurance, some companies were as high as $2000.00 a year for the same coverage and same deductible. Liberty Mutual was definitely the lowest.
The cost is pretty low and easy to manage. the company did save me a couple dollars a month by switching to them from my previous company.
I think my premium is probably too high and too complicated to compare.
I like that they have some very good customer service and they put their customers first. They want what is best for people.
Tower Hill Insurance
What I dislike about the company is that there is no communication. I wish they would establish a relationship with their clients in a form of marketing or follow up communication.
Security First Home Insurance
My agent has been easy to get a hold of and interactions have been pleasant. They do a lot of email communication which is good for me.
Assurant Specialty Property
I do enjoy the premium and all the discounts that I am able to get with this company. The policy here is great in these terms
I don’t really have any dislikes about this company. I have been a loyal member since like 2003 and I don't believe I will find another insurance company that can do all the things they can. If I had to find a dislike I would say that their mortgage lending could be a little bit better.
The company works for the military and the rates have been great. They give us many other services and we would not change to another even if they were a little cheaper. Loyalty to the company as we have had them for over thirty-four years. Not just going to change for a couple of dollars.
State Farm
They're convenient to call and that's it. There are not many positives about them as they keep not doing their job properly.
Farmer's Insurance
I'm getting excellent coverage from a major insurer at a price that can't even come close to being beat by other insurance companies. Farmers is a secure and reputable insurer and I know that they will do what insurance is supposed to do if I need to use the policy.
I would reccommend USAA to anyone that was looking for their first policies or to change their current ones. I've always been able to get what I want quickly when needed and they offer many convenient access points as well.
Would highly recommend this insurance coverage, they are a great company who value individuals before profit.
Safeco Insurance
The company has been very responsive to my questions and needs. Their rate is very competitive compared to others offering coverage. Other companies rates are reaching toward the extreme level for less coverage.
State Farm
I would recommend State Farm for their overall performance and customer service being above board.
American Integrity Insurance
It has a great premium for a great amount of coverage with a package that covers more than just the basic.
State Farm
I would recommend them because they have excellent customer service. I know the folks in my agent's office by name, and they are usually fairly easy to reach when I have a question. I have never had to file a home claim, but they were fantastic when my husband had a car accident and had to file a vehicle claim. They are a little more expensive than some of the other companies, but I have stayed with them because of their service.
I like that they respond at all times with all the problems that are presented to us have never been bad in payments and as I said always serve their insured in an effective way
Even though USAA has insured my home, the premiums are extremely expensive.
I have shopped several companies, but I did not find a better price than USAA offered. Also, when you need them they are all to eager to help.

Fort Lauderdale, FL Homeowners Insurance By Home Value

Fort Lauderdale, FL Home Value Total Homes % of Total Average Fort Lauderdale, FL Homeowners Insurance
Less than $50,000 3,944 7.0% $143
$50,000 to $59,999 1,615 2.0% $298
$60,000 to $69,999 1,628 2.0% $370
$70,000 to $79,999 1,583 2.0% $430
$80,000 to $89,999 2,125 3.0% $478
$90,000 to $99,999 1,520 2.0% $537
$100,000 to $124,999 5,795 10.0% $621
$125,000 to $149,999 3,858 7.0% $788
$150,000 to $174,999 6,594 12.0% $932
$175,000 to $199,999 4,276 7.0% $1075
$200,000 to $249,999 7,865 14.0% $1290
$250,000 to $299,999 6,049 11.0% $1577
$300,000 to $399,999 7,781 14.0% $2007

Top Home Insurance Agents Near Fort Lauderdale, FL

Home Insurance Company Near Fort Lauderdale, FL Homeowners Insurance Agency Near Fort Lauderdale, FL Address
Travelers Agm Insurance Agency Inc 1301 E BROWARD BLVD 1ST FL, FORT LAUDERDALE, FL, 33301
Travelers Brightway Insurance Inc 10161 W COMMERCIAL BLVD, SUNRISE, FL, 33351
Travelers Insurance Offices Of The Palm Beaches 11211 Prosperity Farms Rd Ste B106 , Palm Beach Gardens, FL, 33410
Allstate Patrick Brady 901 SE 17th St, Fort Lauderdale, FL, 33316
State Farm Steve Myers 9004 SW 152nd St, Palmetto Bay, FL, 33157-1928

Fort Lauderdale, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Fort Lauderdale, FL

Streets in Fort Lauderdale Area Homeowners Insurance Cost
SW 29th Way, S Seabreeze Blvd, Franklin Park Dr, Galt Ocean Dr, S State Rd 7, NW 39th Ter, NE 21st Ln, NE 12th Ct, Neptune Ave, NW 22nd Ter$1,169
Seven Isles Dr, NE 48th Ln, W Las Olas Blvd, Seabreeze Blvd, Cayuga Rd, E Campus Cir, NW 22nd Rd, NE 57th Ct, N Flagler Dr, SE 22nd Ave$1,133
NE 57th St, NW 22nd Ave, NE 59th St, NE 27th Way, SW 27th Way, Pine Ave, NE 54th Ct, Marina Blvd, Snyder Park Rd, Port Royale Blvd$1,231
SE 18th St, Auburn Blvd, Flamingo Ln, NW 20th Ter, Poinsettia St, SW 4th Dr, SE 7th Ave, Belmar St, Middlesex Dr, Floranada Rd$1,237
Jackson Blvd, NW 19th Way, NW 1st Ln, Thomas Way, NW 9th Ln, SW 12th Ter, NE 9th Ct, Brickell Ave, Iroquis Ave, SW 10th Ter$1,165

Fort Lauderdale, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fort Lauderdale$178 to $181
Wilton Manors$183
Lazy Lake$227
Oakland Park$175

Fort Lauderdale, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Wilton Manors city, Florida $183 $244 $366
Lazy Lake village, Florida $227 $303 $455
Oakland Park city, Florida $175 $233 $350

Fort Lauderdale, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Fort Lauderdale, FL5.5%15.9%
Wilton Manors4.97%20.66%
Lazy Lake3.16%12.64%
Oakland Park6.39%21.23%

Fort Lauderdale Renters Insurance as a Percentage of Rent

Fort Lauderdale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 753 1.0% $780
$300 to $499 1,386 2.0% $1230
$500 to $749 4,772 9.0% $1905
$750 to $999 15,015 30.0% $2655
$1,000 to $1,499 17,983 36.0% $3780
$1,500 or more 9,173 18.0% $5430

Average Cost Of Home Insurance By Company In Areas Nearby Fort Lauderdale For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Tower Hill Signature Insurance $6,616
150,000 27 YES American Integrity Insurance $2,327
150,000 27 YES Federated National Insurance $2,273
150,000 27 YES Liberty Mutual Fire Insurance $2,171
150,000 27 YES Southern Fidelity Insurance $2,681
150,000 27 YES Stillwater Property And Casualty Insurance $3,323
300,000 12 NA Castle Key Indemnity Company Insurance $3,251
300,000 12 NA Southern Fidelity Insurance $5,127
300,000 12 NA Tower Hill Select Insurance $3,761

Fort Lauderdale, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fort Lauderdale Homeowner Insurance Premium Example $3,100$2,900
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $26,700$26,100
Net Savings to Fort Lauderdale Home Owner from High Deductible Plan $600

Fort Lauderdale, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Lauderdale, FL Home Replacement Value MORE than Home Value Fort Lauderdale, FL Home Replacement Value LESS than Home Value
Replacement Value $381,000 $240,500
Insurance Premium based on Replacement Value $8,350 $5,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,500 Risk Exposure from Under Insuring Coverage is $88,000
Premium Impact Insurance cheaper by $1,925/year Insurance costlier by $1,150/year

Example Fort Lauderdale Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualChubb Group of Insurance
Monthly Premium 162285325
Year Built 201219841966
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$250000-$300000
Deductible $1000-$2500 Deductible$500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Fort Lauderdale, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 370,000 Membrane Roof 3,110 4 $500 Deductible 5140 9 Stucco siding No
1975 155,000 Asphalt Shingles Roof 1,190 2 $5000 to $10,000 Deductible 1110 7 Brick siding No
1974 275,000 Membrane Roof 2,500 4 $5000 to $10,000 Deductible 2930 9 Fiber-Cement Siding No
1982 315,000 Tile Roof 2,340 3 $500 Deductible 550 1 Fiber-Cement Siding yes
1983 230,000 Asphalt Shingles Roof 1,950 3 $1000-$2500 Deductible 790 3 Stucco siding yes
2010 155,000 Tile Roof 1,610 2 $5000 to $10,000 Deductible 1380 12 Stone Siding yes
1981 180,000 Slate Shingles Roof 1,680 4 $500 Deductible 1680 5 Vinyl siding yes
1962 165,000 Asphalt Shingles Roof 1,290 3 $500- $1000 Deductible 2280 7 Fiber-Cement Siding yes
1986 210,000 Slate Shingles Roof 1,550 2 $500- $1000 Deductible 530 2 Stone Siding No
1986 190,000 Composition Roof 1,470 2 $2500-$5000 Deductible 2470 9 Stone Siding No
1962 145,000 Slate Shingles Roof 1,080 2 $500 Deductible 570 2 Stucco siding No
1977 125,000 Wood Shake Roof 1,160 2 $1000-$2500 Deductible 1030 6 Stucco siding No
2010 330,000 Tile Roof 3,020 4 $500 Deductible 7240 10 Stone Siding yes
1985 290,000 Tile Roof 2,480 4 $1000-$2500 Deductible 1070 2 Vinyl siding yes
1978 175,000 Metal Roof 1,760 3 $2500-$5000 Deductible 2180 12 Wood siding yes
2010 255,000 Wood Shake Roof 2,710 4 $500- $1000 Deductible 1530 4 Stone Siding yes
1976 255,000 Wood Shake Roof 1,820 3 $5000 to $10,000 Deductible 2030 6 Stucco siding yes
1987 190,000 Metal Roof 1,690 2 $1000-$2500 Deductible 660 3 Wood siding yes
1970 145,000 Shingles Roof 1,550 2 $500- $1000 Deductible 690 3 Stone Siding No
2013 160,000 Metal Roof 1,210 3 $2500-$5000 Deductible 950 4 Stone Siding No
1971 150,000 Tile Roof 1,580 2 $500 Deductible 1950 6 Stucco siding No
1980 165,000 Composition Roof 1,800 2 $1000-$2500 Deductible 1320 5 Brick siding No
2012 170,000 Composition Roof 1,600 2 $5000 to $10,000 Deductible 1370 9 Brick siding No
1976 250,000 Wood Shake Roof 2,250 3 $2500-$5000 Deductible 2160 7 Vinyl siding No
2013 160,000 Slate Shingles Roof 1,630 3 $1000-$2500 Deductible 1670 9 Vinyl siding yes
1970 295,000 Tile Roof 2,620 4 $2500-$5000 Deductible 910 2 Vinyl siding yes
1989 265,000 Metal Roof 2,790 4 $1000-$2500 Deductible 590 2 Stone Siding yes
1987 380,000 Wood Shake Roof 2,960 4 $2500-$5000 Deductible 2970 5 Wood siding No
2013 325,000 Composition Roof 2,510 4 $500 Deductible 4730 12 Fiber-Cement Siding yes
1977 185,000 Asphalt Shingles Roof 836 1 $2500-$5000 Deductible 510 1 Wood siding yes

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