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Homeowners Insurance in Pembroke Pines, Florida

By Jarrod Heil

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Nestled between Davie and Miramar on the southern edge of Broward County and northern edge of Miami-Dade, Pembroke Pines is one of the fastest growing cities in South Florida. In recent years, the population has ballooned to nearly 175,000 residents.

With all the new housing developments being built, and the relatively cheaper prices compared to neighboring cities, homeowners in Pembroke Pines may reap the rewards of more affordable real estate — but that’s not necessarily the case with Pembroke Pines homeowners insurance.

Being in South Florida, it’s still prone to the same damage and destruction from hurricanes, tornadoes and flooding as nearby cities like Fort Lauderdale, Miami and even Palm Beach. Let’s take a look at what you can expect to pay for homeowners insurance in Pembroke Pines, as well as what it covers and much more.

Average Cost of Homeowners Insurance in Pembroke Pines, Florida

Since it’s located in Broward County, Pembroke Pines shares many of the same risks from unexpected perils as the nearby larger cities, which is why the average cost of homeowners insurance is $4,688 per year for a $150,000 house.

Relatively speaking, Florida is among the highest cost of homeowners insurance in the nation, tipping the scale at an average of $2,043 per year for a similar home. But South Florida’s Broward, Miami-Dade and Palm Beach counties regularly top the list of most expensive premiums in the nation.

However, it’s not all bad news for homeowners in Pembroke Pines. Averages are calculated through a variety of factors. Two of those factors are the company you choose and the year your home was built. Let’s break down the company perspective before we dig into the year built.

Average Homeowners Insurance Cost in Pembroke Pines for a $150,000 House


ASI$5,379
Citizens$3,497
FedNat$3,605
Florida Penn$6,188
Liberty Mutual$3,688
People’s Trust$6,648
State Farm$3,857
UPCIC$4,644
Average$4,688

As the numbers reflect, Citizens at $3,497 and FedNat at $3,605 are among the most affordable rates in Pembroke Pines. But there’s even better news that could reduce those rates even further.

In 2001, Florida legislators were tired of sitting back and allowing homes to consistently get damaged by hurricanes each year. So they made it mandatory for home builders in the Sunshine State to start constructing homes with better quality materials that would withstand wind damage more efficiently.

So homeowners who own homes built in 2001 to the present day, which includes a large portion of Pembroke Pines, enjoy cheaper rates due to the wind mitigation measures in their homes. But even if your home was built before 2001, you can still add those wind mitigation features to your home and watch the savings pile up.

☘ $150,000 Value – Pre-2001 Construction w/ Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

☘ $150,000 Value – Pre-2001 Construction w/ No Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

☘ $150,000 Value – 2001-Present Construction: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation: A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 Value Pre-2001 Construction
W/ Wind Mitigation

$4,570
$2,276
$2,668
$5,084
$2,503
$3,817
$3,352
$2,658
$3,366

$150,000 Value Pre-2001 Construction
No Wind Mitigation

$7,974
$5,885
$5,510
$9,397
$5,700
$12,536
$5,644
$8,861
$7,688

$150,000 Value 2001-Present Construction

$3,594
$2,331
$2,637
$4,083
$2,862
$3,591
$2,575
$2,412
$3,010

*Insurers are required to send in their average annual homeowners insurance premiums once per year to the Florida Office of Insurance Regulation, so the rates shown above are the average rates you can expect in Pembroke Pines.

It’s Time to Switch Your Homeowners Insurance

We partner with Pembroke Pines’ top homeowners insurance companies so you can get a custom policy at an affordable price.

Like we mentioned earlier, wind mitigation measures create huge savings for homeowners. Those homes built after 2001 enjoy an average premium of $3,010 per year, with some averages dipping into the low-to-mid $2,000s.

But getting a home in Pembroke Pines for $150,000 may present a challenge in itself. Real estate prices are on the rise and homes are likely going for closer to $300,000. So let’s break down the numbers for homeowners insurance in Pembroke Pines, Florida for homes valued at $300,000.

Average Homeowners Insurance Cost in Pembroke Pines for a $300,000 House


ASI$10,758
Citizens$6,995
FedNat$7,210
Florida Penn$12,376
Liberty Mutual$7,376
People’s Trust$13,296
State Farm$7,714
UPCIC$9,287
Average$9,376

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$300,000 Value Pre-2001 Construction
W/ Wind Mitigation

$9,140
$4,552
$5,336
$10,168
$5,006
$7,634
$6,704
$5,316
$6,732

$300,000 Value Pre-2001 Construction
No Wind Mitigation

$15,948
$11,770
$11,020
$18,794
$11,400
$25,072
$11,288
$17,722
$15,377

$300,000 Value 2001-Present Construction

$7,187
$4,662
$5,274
$8,165
$5,723
$7,181
$5,149
$4,824
$6,021

How to Choose the Best Pembroke Pines Home Insurance Company

When you get homeowners insurance in Pembroke Pines through Clovered, a licensed insurance agency that operates in Florida and 18 other states, you don’t have to choose the best home insurance company. We’ll do the legwork and find the best for you because we already partner with the top insurance companies in Florida.

Whether you want a policy from Citizens, Universal Property & Casualty Insurance Company, FedNat, Florida Penn, People’s Trust or many others in the city, we’re here to help.

Just enter a few details about your home and get a quick and free quote through our proprietary online quoting tool in minutes and we’ll find the best policy for you — at the best price.

What Does Homeowners Insurance in Pembroke Pines, Florida Cover?

Pembroke Pines homeowners insurance covers a multitude of perils like fires, burglary, hurricanes, torrential rains, tornadoes, dog bites, water damage and much more. From your home’s structure and things like flooring and walls, to the other structures on your property, as well as personal protection that helps keep you financially sound if something bad were to happen, these are the different coverages included in your policy.

Dwelling: Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures: Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property: Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use: Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Liability: Helps to pay for injuries or other property damages that the policyholder is found liable for, such as a broken bone and legal fees.

Medical Payments: Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

Where to Find the Best Homeowners Insurance in Pembroke Pines

You can get an online quote in minutes by using our online quoting tool. Or, if you hit any snags or just want to talk to a real person, one of our many licensed agents is available to chat by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117. Or you can drop us an email anytime at agent@clovered.com.

It’s Time to Switch Your Homeowners Insurance

We partner with Pembroke Pines’ top homeowners insurance companies so you can get a custom policy at an affordable price.