How Can I Make My Fort Lauderdale, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Fort Lauderdale, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Fort Lauderdale, FL Home Insurance Coverage Levels | Back to Top
| Fort Lauderdale, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| NE 20th Ct, SW 14th Way, Jackson Blvd, Sea Grape Dr, SE 17th Way, Holly Heights Dr, Seabreeze Blvd, SW 21st Ter, Viramar St, Burning Tree Dr | $197,000 | $170,000 | $175,000-$200,000 | $248,000 | $230,000 | $200,000-$250,000 |
| Fryer Pt, NE 25th Pl, Seven Isles Dr, E Dixie Ct, E Broward Blvd, Gertrudis Pl, NE 57th Ct, Thomas Way, Riviera Isle Dr, W Dixie Ct | $292,500 | $260,000 | $300,000-$350,000 | $526,500 | $470,000 | $500,000-$600,000 |
| Mandarin Isle, Flamingo Ln, Sabastian St, NW 63rd Ct, NW 22nd Ave, SW 12th Ter, Algiers Ave, SW 35 Ave, SE 22nd Ave, Hendricks Isle | $123,500 | $110,000 | $125,000-$150,000 | $187,000 | $170,000 | $175,000-$200,000 |
| Coral Center, Bayshore Dr, Galt Ocean Dr, Dunes Vista Dr, SW 14th Ter, NE 14th Pl, Argyle Dr, NE 6th Ln, NW 46th Ter, N Victoria Ter | $121,000 | $110,000 | $125,000-$150,000 | $128,500 | $110,000 | $100,000-$125,000 |
| S el Prado Ave, NE 33rd Ave, NE 27th Dr, NE 63rd St, SW 16 Th St, S Tradewinds Ave, SE 32nd Ct, W Cypress Ln, W Park Dr, NW 27th Ln | $137,000 | $110,000 | $100,000-$125,000 | $218,500 | $180,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Fort Lauderdale, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$218 | $1,066 |
| Superior Protection Discount | -$116 | $1,168 |
| Fire & Security Discount | -$128 | $1,155 |
| Hail Resistant Roof Discount | -$39 | $1,245 |
| Newly Constructed Home Discount | -$321 | $963 |
Choose the Right Deductible for your Fort Lauderdale, FL Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Broward County | $2,000 | $1,265 | $3,265 | $919 | $2,919 | $346 |
| Fort Lauderdale, FL | $700 | $1,268 | $1,968 | $922 | $1,622 | $347 |
| Lauderdale-by-the-Sea, FL | $400 | $931 | $1,331 | $676 | $1,076 | $254 |
| Roosevelt Gardens, FL | $1,000 | $1,138 | $2,138 | $827 | $1,827 | $311 |
| Pembroke Pines, FL | $300 | $1,361 | $1,661 | $989 | $1,289 | $372 |
| Bay Harbor Islands, FL | $2,500 | $2,765 | $5,265 | $2,010 | $4,510 | $756 |
| Broward County, FL | $200 | $1,265 | $1,465 | $919 | $1,119 | $346 |
| Briny Breezes, FL | $700 | $1,398 | $2,098 | $1,016 | $1,716 | $382 |
| Manalapan, FL | $200 | $1,549 | $1,749 | $1,126 | $1,326 | $423 |
| Key Biscayne, FL | $1,000 | $931 | $1,931 | $676 | $1,676 | $254 |
| Wellington, FL | $100 | $1,469 | $1,569 | $1,067 | $1,167 | $401 |
| Cutler Bay, FL | $2,500 | $1,314 | $3,814 | $955 | $3,455 | $359 |
Identify Top Home Insurance Agents near Fort Lauderdale, FL | Back to Top
| Home Insurance Company Fort Lauderdale, FL | Homeowners Insurance Agency Fort Lauderdale, FL | Address | Popularity Score | Distance from Fort Lauderdale (miles) |
|---|---|---|---|---|
| Travelers | Mack Insurance Group | 7251 W Palmetto Park Rd Ste 206, Boca Raton, FL, 33433 | 13.8 | |
| Travelers | Floridian Coastline Insurance | 2450 E Commercial Blvd Ste 203, Fort Lauderdale, FL, 33308 | 2.7 | |
| State Farm | Laz Maseda | 8201 Peters Road, Plantation, FL, 33324 | 9.0 | |
| Travelers | Insurance Authority Inc | 8921 W Oakland Park Blvd, Sunrise, FL, 33351 | 9.2 | |
| State Farm | Melba Ballard | 1843 N Pine Island Rd, Plantation, FL, 33322-5207 | 9.1 | |
| Travelers | Aspen Insurance Group Inc | 9825 Sw 18th St Ste 100n , Boca Raton, FL, 33428 | 13.3 | |
| Allstate | Maria Emma Guarin | 11533 S Dixie Hwy, Miami, FL, 33156 | 35.9 | |
| Allstate | Michael Bradley | 6100 W Atlantic Blvd Ste 1, Margate, FL, 33063 | 7.8 | |
| Allstate | Patrick Brady | 901 Se 17th St, Fort Lauderdale, FL, 33316 | 3.6 | |
| Allstate | Angelo Torres | 2000 Banks Rd Ste 217, Margate, FL, 33063 | 8.4 |
Compare Rates for Fort Lauderdale, FL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Broward County, FL | $223,400 | $1,280 | $1,000 | $1,720 | $720 |
| Fort Lauderdale, FL | $224,200 | $1,284 | $1,000 | $1,720 | $720 |
| Lauderdale-by-the-Sea, FL | $459,100 | $942 | $730 | $1,260 | $530 |
| Roosevelt Gardens, FL | $111,100 | $1,152 | $900 | $1,540 | $640 |
| Pembroke Pines, FL | $245,900 | $1,378 | $1,070 | $1,850 | $780 |
| Bay Harbor Islands, FL | $373,800 | $2,799 | $2,180 | $3,750 | $1,570 |
| Broward County, FL | $223,400 | $1,280 | $1,000 | $1,720 | $720 |
| Briny Breezes, FL | $150,200 | $1,415 | $1,100 | $1,900 | $800 |
| Manalapan, FL | $2,000,001 | $1,568 | $1,220 | $2,100 | $880 |
| Key Biscayne, FL | $1,137,100 | $942 | $730 | $1,260 | $530 |
| Wellington, FL | $349,700 | $1,486 | $1,160 | $1,990 | $830 |
| Cutler Bay, FL | $235,000 | $1,330 | $1,040 | $1,780 | $740 |
Research Home Insurance Companies Reviews in Fort Lauderdale, FL Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 17, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
My insurance company's customer service is average from what you would expect. They have covered a claim in the past and it took a while to get it done.
Date: February 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My premium is lower than I could find from other companies. I set my deductible higher for I could have a lower premium.
Date: November 03, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
My home insurance that I use, through State Farm, covers fire damage, water damage, and coverage from natural disaster damage.
Date: August 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
Customer service and my local office have always been wonderful. The one time I had to file a claim, underwriting took forever due to the person handling my claim being out of the office. There need to back up in this case.
Date: August 08, 2018 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
I always get prompt service with customer service and have been directed to the appropriate team when something comes up. Underwriting is a whole other beast.
Date: August 04, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
I have been with State Farm for twenty years so I am at a decent rate. I do not like how I had an accident in my vehicle and it spiked my rates.
Date: July 24, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
I like the website because it is very user-friendly. However, the app tends to be very glitchy and pops up with various errors. It, generally, does not create an issue because the most home business I can do at home.
Esurance Home Insurance Reviews
Date: May 22, 2019 Age: 40 to 49 Gender: Married Marital Status: Female
Premium
We are first time buyers so it was important to us to have this be very affordable. eSurance was able to roll this payment into our monthly house payment to make sure we never miss one.
Date: October 01, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
The policy protects my home and our personal property from damage caused by fires or lightning. Windstorms (which includes hurricanes and tornadoes) or hail. In addition to Explosions.
Date: September 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
The customer service agents seem to be well trained and thoughtful in their interactions in addition to knowledgeable enough to point me in the right direction if they can't directly answer a question (meaning, they get someone on the line who can help).
Date: September 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I haven't had a lot of need to contact customer service for the company but, in my limited interaction, the company seems friendly and thoughtful to handle any specific inquiries.
Date: August 07, 2018 Age: Above 60 Gender: Female Marital Status: Married
Premium
Compared to other insurance for the same coverage, I genuinely feel that we are getting a competitive rate for the type of coverage that we have.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Website/App
Although I haven't used a mobile app for the company, the website is very easy to use and is focused on letting you get or change the coverage you need when you need it and it is fully transparent in the pricing.
People's Trust Insurance Home Insurance Reviews
Date: September 13, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
VERY QUICKLY EFFECTIVE IT IS VERY NICE TO SEE THE WAY YOU ARE ATTENDED WHERE ONE CALLS TO SOLVE A PROBLEM AND THEM WITH SO MUCH PLEASED SEEK THE MEASURES AND WAYS IN WHICH THEY CAN SOLVE YOU
Date: September 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I LIKE THE KIND THAT IT IS THE PERSONNEL OF ATTENTION TO THE CUSTOMER ALWAYS SEEK TO SOLVE YOU AND SEE WHAT MORE YOU CAN HELP IN ANY OF THE APPLICATIONS THAT ARE PRESENTED
Date: September 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
TOTAL EXPENSES FOR LOSS, FIRE FIRES, STORM DAMAGE, THEFT DAMAGE, THIRD PARTY DAMAGE, ACCIDENT DAMAGE, AND THIRD PARTY DAMAGE
Date: August 16, 2018 Age: Above 60 Gender: Female Marital Status: Married
Website/App
I LIKE THE APPLICATION AND THE AUTOMATIC WAY YOU HAVE OF ATTENTION TO THE CLIENT, GIVE A QUICK RESPONSE WITHOUT WAITING, ALSO IT IS BEAUTIFUL AND INTERACTIVE AT THE MOMENT OF GIVING AN OPINION
Date: August 10, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
GOOD I HAVE LITTLE TO COMPARE MANY GIVE SIMILAR BENEFITS BUT I LIKE THE PERSONAL ATTENTION OF THEIR SELLERS AND THE RAPIDES WITH WHICH MY COMPLAINTS AND SUGGESTIONS ATTEND MY CALLS
Security First Home Insurance Home Insurance Reviews
Date: November 25, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Customer Service
I just had a claim with them and they were very prompt in the process, but not very detail oriented on getting the check out.
USAA Home Insurance Reviews
Date: March 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
USAA offers a wide-range of home insurance options so that we could find what best fit the needs of our family.
Citizens Property Insurance Home Insurance Reviews
Date: October 09, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
The cost is out of control, esp in view of the reduced coverage, but the customer and response service is excellent
Florida Farm Bureau Insurance Home Insurance Reviews
Date: December 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
I had citizens insurance for a house previously owned, and Florida Peninsula is much more proactive in sending me relevant tips and staying in touch with me. I also know that other insurance carriers have pulled out of Florida, and I have friends who have been dropped by their carriers after a hurricane even though they themselves haven't had a claim. So I think that Florida Peninsula is better than those because they have stayed around through the bad times.
GEICO Home Insurance Reviews
Date: July 10, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
Geico is a great insurance company. I would rate them a 5 on their customer service. They are very fast at answering the phone and questions.