Weston Homeowners Insurance

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  • Weston Homeowners Insurance

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 hurricanes can cause headaches for homeowners by increasing their homeowners insurance 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 $5,607 for a $150,000 house, $9,699 for a $300,000 house, and $12,939 per year for a $450,000 home.

This is expensive, but since this number is an average, that means some premiums fall below these rates 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 Cost of Homeowners Insurance in Weston for 2022

Company

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

$150,000 House

$5,702
$3,500
$5,783
$8,079
$3,812
$8,226
$4,541
$5,943
$5,607

$300,000 House

$10,007
$6,144
$10,150
$14,176
$6,693
$14,428
$7,969
$10,424
$9,699

$450,000 House

$13,859
$8,478
$14,043
$19,641
$9,220
$20,094
$11,028
$14,521
$12,939

It’s Time to Switch Your Homeowners Insurance

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

Florida Office of Insurance Regulation Premium Consideration Factors

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the 2022 rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year.

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.

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.

2001-Present Construction

This risk is for a Florida masonry home with a current replacement value of $300,000, 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.

As you can see, the value of your home is a crucial factor in determining insurance premiums. Generally, the more your house is worth, the more insurance you need, so the more it costs to insure. Providers usually evaluate homes at their replacement cost, which is how much it would cost to rebuild your house if it was destroyed.

Another important factor for premiums in Florida is the ability of your home to withstand strong winds. Take a look at the difference between rates on $150,000 homes with and without wind mitigation. 

$150,000 House in Weston for 2022

Company

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

Pre-2001 No Wind

$8,285
$5,167
$9,268
$11,986
$5,700
$15,134
$6,637
$10,874
$8,880

Pre-2001 w/ Wind

$4,679
$2,488
$3,744
$6,453
$2,503
$4,630
$3,608
$3,441
$4,135

2001-Present

$4,143
$2,845
$4,338
$5,797
$3,233
$4,914
$3,378
$3,514
$3,804

Effective wind mitigation can do wonders for the safety of your home and the cost of your homeowners insurance in Weston. There was a 53% 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.

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 and $450,000 worth of coverage costs on average:

$300,000 House in Weston for 2022

Company

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

Pre-2001 No Wind

$14,499
$9,042
$16,219
$20,976
$9,975
$26,485
$11,615
$19,030
$15,334

Pre-2001 w/ Wind

$8,188
$4,354
$6,552
$11,293
$4,380
$8,103
$6,314
$6,022
$7,160

2001-Present

$7,333
$5,036
$7,678
$10,260
$5,723
$8,697
$5,978
$6,220
$6,604

$450,000 House in Weston for 2022

Company

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

Pre-2001 No Wind

$20,713
$12,918
$23,170
$29,965
$14,250
$37,835
$16,593
$27,185
$20,732

Pre-2001 w/ Wind

$11,698
$6,220
$9,360
$16,133
$6,258
$11,575
$9,020
$8,603
$10,115

2001-Present

$9,166
$6,295
$9,598
$12,825
$7,154
$10,871
$7,473
$7,775
$8,082

It’s Time to Switch Your Homeowners Insurance

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

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 Coverage

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

Other Structures Coverage

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

Personal Property Coverage

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

Loss of Use Coverage

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

Medical Payments Coverage

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:

  • Age of your home
  • Condition of your roof
  • Your credit and claims history
  • The extent of coverage and deductible you choose
  • If your provider has seen an unexpected increase in claims as a company

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.

Homeowners
It's Time to Switch Your Homeowners Insurance

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

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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