Fort Lauderdale Homeowners & Home Insurance

Fort Lauderdale homes sit close to the water, and that defines their insurance: hurricane and wind exposure, salt air that ages roofs, and older housing east of I-95. Renewals can spike for reasons unrelated to your own home. We shop your Fort Lauderdale homeowners policy across multiple carriers, size your dwelling limit to today's Broward County rebuild cost, and capture every wind-mitigation credit your roof and openings qualify for.

Get Your Free Fort Lauderdale Homeowners Insurance Quote

Wind mitigation is where the savings are. Hurricane straps, a hip roof, and impact-rated windows or shutters can earn credits worth up to 25%. We make sure a current inspection is on file before we quote so you are not leaving money on the table.

Older homes in Victoria Park, Coral Ridge, and Rio Vista carry charm and complications. Roof age, electrical, and proximity to the Intracoastal all affect eligibility and price, so we match each home to the carriers that write it best.

What Does Home & Homeowners Insurance Cover?

Dwelling Coverage — Protects the structure of your home against fire, windstorms, hurricanes, hail, lightning, and other covered perils.
Personal Property — Covers your belongings (furniture, electronics, clothing) if damaged, destroyed, or stolen.
Liability Protection — Covers legal and medical costs if someone is injured on your property.
Additional Living Expenses — Pays for temporary housing and living costs if your home becomes uninhabitable after a covered loss.

Fort Lauderdale Homeowners Insurance — FAQ

Common questions from Fort Lauderdale clients.

How much is homeowners insurance in Fort Lauderdale?

Fort Lauderdale premiums run above the state average due to coastal wind exposure. Roof age, dwelling limit, and wind-mitigation features drive the price, and a current inspection can lower it by up to 25%.

Does Fort Lauderdale home insurance cover flood?

No. Flood is excluded from standard homeowners policies. Much of Fort Lauderdale is near the coast or Intracoastal, so we recommend a separate flood policy and can quote it with your home insurance.

Can I insure an older home in Fort Lauderdale?

Yes, though options tighten with roof and system age. We work with carriers that weigh older Victoria Park and Coral Ridge homes differently and will explain each one's requirements.

What is a wind-mitigation inspection?

It documents features that help your home resist hurricanes, such as roof attachment and opening protection. The report can earn significant premium credits, so we always shop your policy with it applied.

Homeowners Insurance in Nearby Cities

Miami Homeowners Hialeah Homeowners Hollywood Homeowners Boca Raton Homeowners Boynton Beach Homeowners Coral Gables Homeowners Weston Homeowners Parkland Homeowners Pinecrest Homeowners

Other Coverage in Fort Lauderdale

Fort Lauderdale Auto Fort Lauderdale Boat

See all Florida Homeowners Insurance »