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.

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. 

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. 

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.

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 agent@clovered.com.