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Homeowners Insurance in Weston, FL: Rates, Factors to Consider

By John Miceli

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The relatively new, high-end city of Weston in South Florida is ideal for those who want to be close to the beach and activity of Fort Lauderdale but escape the daily hustle and bustle of a city. Weston offers plenty of outdoor recreational activities since it’s directly bordered by the Everglades to the west.

Perhaps the biggest downside of living in Weston is the vulnerability to severe weather. Heavy rains and the chances of a hurricane can cause headaches for homeowners — plus increase their premiums.

Average Cost of Homeowners Insurance in Weston, Florida

The likelihood of a natural disaster influences insurance rates negatively. The average cost of homeowners insurance in Weston, Florida, is $4,688 per year for a $150,000 house. This is well above the state average premium of $2,043 a year.

This is expensive, but since this number is an average, that means some premiums fall below this number and some are above — and you may be able to control which category your home falls under. Let’s look at the average cost of homeowners insurance in Weston from some top companies to see what we’re dealing with.

Average Homeowners Insurance Cost in Weston 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 you can see from the numbers above, several companies come in under the average rate in Weston, notably Citizens and Fednat. Let’s break down the numbers even more. Going beyond the averages, we can see how some important aspects of your home can lower your rates even more.

☘ $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 Weston.

It’s Time to Switch Your Homeowners Insurance

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

Effective wind mitigation can do wonders for the safety of your home and the cost of your homeowners insurance in Weston. There was a 57% difference in average rates between older houses with and without wind mitigation. That means you could cut your rate in half by making your home wind-resistant.

To know where to start on improving the wind resistance of your home, you’d have to get a wind mitigation inspection. It likely wouldn’t cost more than a couple of hundred dollars, and an inspector will tell you what, if anything, needs to be done for your house to become eligible for discounts on homeowners insurance.

These changes could range from large-scale renovations, like adjustments to your roof, to getting a new garage door or hurricane shutters.

In addition to wind mitigation, the amount of coverage you choose affects how much your insurance costs. You should aim for enough coverage to rebuild or repair your home sufficiently after a disaster. This means bigger and more expensive homes cost more to insure since they have a higher replacement cost. 

Realistically, you’d be hard-pressed to find a property in Weston for which $150,000 worth of coverage would be enough. So, let’s look at what $300,000 worth of coverage costs on average:

Average Homeowners Insurance Cost in Weston 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

Weston Homeowners Insurance Coverages

Homeowners insurance is designed to cover you financially when something unexpected or disastrous happens. This protection extends beyond just the walls of your house. Here are the common coverage areas for a standard homeowners insurance plan.

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.

More Factors That Affect Homeowners Insurance in Weston, Florida

As you can probably tell, homeowners insurance is a complicated matter. It can be hard to keep track of all the factors that affect rates. This is one of the reasons Clovered was created.

We wanted to provide the resources and tools necessary for people to understand insurance and get covered for what they need at the price they want.

With this in mind, let’s take a look at some more things insurers take into consideration when determining rates:


Weston, Florida Flood Zones

Almost all of Weston is in some sort of federally designated flood zone, as determined by the Federal Emergency Management Agency. FEMA creates flood maps for the country that assess the risk levels of areas and divides them into sections that influence insurance rates. X, AE, and AH flood zones make up much of Weston, with X being low risk and AE and AH constituting a higher risk of flooding.

This is important to know because homeowners insurance doesn’t cover flood damage. To adequately protect your house and belongings from unwanted water caused by heavy rains, you’d need a separate flood insurance policy.

Flood insurance isn’t mandated by law, but your mortgage lender may require you to get it if your home is located in a high-risk Weston, Florida flood zone.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

Hurricanes in Weston, Florida

South Florida has the potential to be struck by a hurricane or tropical storm every hurricane season. This is one of the main reasons insurance rates are as high as they are in Weston and most other South Florida cities. While there haven’t been any major impacts of hurricanes in Weston, Florida recently, storms have come very close.

Homeowners insurance covers most instances of hurricane damage. An important part of hurricane coverage as a Florida homeowner is to be aware of your hurricane deductible. When you file a claim related to hurricane damage, you’ll have to pay a hurricane deductible, which is slightly different than your regular homeowners deductible.

A hurricane deductible is based on a percentage of your dwelling coverage, with 2% and 5% being common choices. This means your hurricane deductible is usually higher than your regular deductible.

How to Save on Weston Homeowners Insurance

One of Clovered’s most important features is our online quote engine that can provide you with a tailored policy from top insurers in the state so you can compare rates and get coverage that’s just right for you. It takes just a few minutes to get a quote online at no cost.

We’re backed by a team of licensed and experienced agents. If you have any questions at all, one of them would be happy to talk. Just call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. or email us anytime at agent@clovered.com.

It’s Time to Switch Your Homeowners Insurance

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