Homeowners Insurance in Pembroke Pines, Florida
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- Homeowners Insurance in Pembroke Pines, Florida
With new housing developments in Pembroke Pines and relatively cheaper prices compared to neighboring cities, homeowners may reap the rewards of more affordable real estate — but that’s not necessarily the case with homeowners insurance.
Being in South Florida, it’s still prone to the same damage from hurricanes, tornadoes and flooding as nearby cities like Fort Lauderdale and Palm Beach. Let’s look at the city’s average premiums, how the cost differs from Florida’s average premium, coverage types, and more.
Average Cost of Home Insurance in Pembroke Pines, Florida
The average cost of home insurance in Pembroke Pines is about $6,311 annually, or about 115% higher than Florida’s average rate of $2,924 annually. Since it’s located in Broward County, Pembroke Pines shares many of the same risks from unexpected perils as the nearby larger cities.
Relatively speaking, Florida is among the states with the highest cost of homeowners insurance in the nation. 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. Let’s break down average rates from some of the state’s top insurers.
Average Rates by Company for Home Insurance in Pembroke Pines | |
Company | Average Premium |
Monarch National | $3,803 |
Citizens | $5,052 |
Slide | $5,374 |
Edison | $5,540 |
Florida Peninsula | $5,915 |
American Platinum | $6,565 |
TypTap | $6,995 |
Average | $6,311 |
As the numbers reflect, Citizens and Monarch National 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.

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.
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, 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, Monarch National, American Platinum, Edison, 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.
Pembroke Pines Homeowners Insurance Coverages | |
Coverage | Definition |
Dwelling Coverage | Dwelling coverage protects the elements that make up the structure of your home, like your roof, foundation, walls, and flooring, if a covered peril on your policy damages them. |
Other Structures Coverage | Other structures coverage covers the elements on your property that aren’t attached to your main home, like your fence, detached garage, pool, or shed, if they’re damaged by a covered peril on your policy. |
Personal Property Coverage | Personal property coverage protects the belongings you store on your property, both inside your main home and outside. It covers clothing, furniture, appliances, and items you may store on your property, like your lawnmower or bicycle. |
Loss of Use Coverage | Loss of use coverage reimburses you for living expenses you incur if you’re forced to move out of your house after a covered peril causes significant damage. Your insurer can pay for temporary housing, gasoline, food, and more. |
Liability Coverage | Liability coverage can help you out if you’re found liable for a guest’s injuries on your property or damage to someone else’s property. It may cover legal fees and medical expenses. |
Medical Payments Coverage | Medical payments coverage may help you pay for minor medical expenses if someone injures themself around your property, regardless of fault. |
What to Know About Flood Insurance in Pembroke Pines
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.
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.

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.