Home Insurance Rates in Ft. Lauderdale, FL
If your driving down the A1A in Broward County right on the southeastern coast of Florida then you know you are in Fort Lauderdale! From the beaches to the inner coastal waterways and canals, this strip is full of outdoor shopping areas with resturants, bars and luxury hotels on the ocean. Currently, Fort Lauderdale's population size is 183,146 but the rich coastal city seems much bigger due to it's growth in tourism. If you live in this area and own a home, chances are you need really good homeowners insurance coverage to help protect your home from the heavy rains, high winds, hurricanes and thunderstorms. At FloridaHomeInsurance.com, we help homeowners like you find the best rates and coverages for your home. Let's get your home covered so you have peace of mind that your most valuable investment has the right insurance policy to protect what matters most.
Here are the zip codes we provide coverage in: 33301–33332, 33334-33340, 33345–33346, 33348–33349, 33351, 33355, 33359, 33388, 33394. If you don't see your zip code, that is okay, chances are we can still help you. All you need to do is start your Ft. Lauderdale home insurance shopping process by entering your zip code on our website. This will take you to a simple home details form where we can gather a little information from you to run rate quotes on your home. We have 30 different companies we can analyze and shop for you so you can take care of other things. Once we finalize a rate comparison, we will email the rates to you for your review. Our quoting process is simple and hassle free which saves you time and money. Shop your home insurance with us, we look forward to working with you!
Call Now For Home & Auto Insurance Rates in Fort Lauderdale Florida: Call - 1-877-480-7274!
For average Florida home insurance rates in Fort Lauderdale. We can help you break this down into the most expensive areas when it comes to the cost of homeowners insurance in your zip code. The first table shows the top most expensive zip codes in Fort Lauderdale, FL. The second table will show where you can find the cheapest home insurance premiums in the area by zip code.
Fort Lauderdale, Florida's Most Expensive Home Insurance Rates By Zip Code
| Zip Code | Average Premium | City | County |
|---|---|---|---|
| 33326 | $ 3,885 | Fort Lauderdale | Broward |
| 33327 | $ 3,872 | Fort Lauderdale | Broward |
| 33331 | $ 3,714 | Fort Lauderdale | Broward |
| 33323 | $ 3,640 | Fort Lauderdale | Broward |
| 33322 | $ 3,615 | Fort Lauderdale | Broward |
Fort Lauderdale Most Affordable Home Insurance Rates By Zip Code
| Zip Code | Average Premium | City | County |
|---|---|---|---|
| 33308 | $ 2,883 | Fort Lauderdale | Broward |
| 33304 | $ 2,885 | Fort Lauderdale | Broward |
| 33316 | $ 2,892 | Fort Lauderdale | Broward |
| 33305 | $ 3,001 | Fort Lauderdale | Broward |
| 33334 | $ 3,004 | Fort Lauderdale | Broward |
Cheap Fort Lauderdale Florida Home Insurance Rates
Homeowners in Fort Lauderdale, Florida, face significant insurance costs due to the high risk of windstorms and hurricanes. Here’s a comparison of the average annual premiums for different insurance carriers providing windstorm coverage in Fort Lauderdale:
| Insurance Carrier | Average Annual Premium |
|---|---|
| Travelers | $2,271 |
| State Farm | $3,572 |
| Nationwide | $3,636 |
| Security First Insurance | $4,963 |
| HCI Group Inc | $7,309 |
| American Integrity Insurance | $7,739 |
| Progressive | $9,255 |
| FedNat Holding | $9,856 |
Which insurance company is the cheapest?
Travelers offers the cheapest rates for homeowners insurance with windstorm coverage, averaging $2,271 annually. State Farm and Nationwide also provide relatively affordable options, with premiums of $3,572 and $3,636 respectively.
While price is an important factor, it’s also crucial to consider the coverage options, customer service, and financial stability of the insurance provider. Travelers, for example, is known for its competitive rates and a good financial strength rating (A++ from AM Best) but has a lower customer satisfaction rating compared to other insurers.
For those seeking more discounts, Stillwater Insurance Group offers a variety of discounts but at higher average premiums around $6,093 annually.
Given the volatility and high costs in Florida’s insurance market, it's advisable for homeowners to compare quotes from multiple insurers and consider both cost and coverage options to find the best fit for their needs.
Here is a list of cities near Fort Lauderdale, in Broward County that we specialize in writing homeowners policies. Due to being on the coast, sometimes a standard HO-3 policy is not enough to protect your home from windstorm damage, our professional Florida insurance agents can help answer all your questions when we help you shop the best rates and coverages.
Cities Nearby Fort Lauderdale
Wilton Manors, Oakland Park, North Andrews Gardens, Dania Beach, Lauderhill, Lauderdale Lakes, Plantation, Hollywood, Davie, Pompano Beach, Sunrise, North Lauderdale, Coconut Creek, Cooper City and Margate
