Homeowners Insurance in Pembroke Pines, Florida (2024)

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, how the cost differs from Florida’s average premium, what it covers and much more.

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 $7,276 per year for a $150,000 house, $13,168 for a $300,000 house and $18,914 per year for a $450,000 house.

Relatively speaking, Florida is among the states with the highest cost of homeowners insurance in the nation, tipping the scale at an average of $3,325 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.

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the most recent 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. The example premiums are based on a policy for a Florida masonry home with a $500 non-hurricane deductible, a 2% hurricane deductible and no claims in the past three years.

As the numbers reflect, Citizens and Tower Hill 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. Let’s break down how insurers categorize homes and wind mitigation when calculating premiums.

Let’s take an in-depth look at those numbers for $150,000 homes.

Like we mentioned earlier, wind mitigation measures create huge savings for homeowners. Those homes built after 2005 enjoy an average premium of $4,667 per year, with some averages dipping into the 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 and $450,000.

When you get homeowners insurance in Pembroke Pines through Clovered, a licensed insurance agency that operates in Florida, 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, Farm Bureau, Tower Hill, 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.

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.

It’s important to note that flooding isn’t covered by your homeowners insurance. Instead, homeowners must bind a separate flood insurance policy, from a private insurer or from the National Flood Insurance Program (NFIP). As of 2024, the Federal Emergency Management Agency (FEMA) added 22,000 properties in Pembroke Pines to their flood zone maps, representing about 25% of the 88,000 properties in Broward County alone that were added. 

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 [email protected].