Pembroke Pines Homeowners Insurance

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Nestled between Davie and Miramar on the southern edge of Broward County and northern edge of Miami-Dade, Pembroke Pines is one of the fastest growing cities in South Florida. In recent years, the population has ballooned to nearly 175,000 residents.

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, as well as what it covers and much more.

Average Cost of Homeowners Insurance in Pembroke Pines, Florida

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 $5,607 per year for a $150,000 house, $9,699 for a $300,000 house and $12,939 per year for a $450,000 house.

Relatively speaking, Florida is among the highest cost of homeowners insurance in the nation, tipping the scale at an average of $2,043 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.

Average Cost of Homeowners Insurance in Pembroke Pines 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 the numbers reflect, Citizens and FedNat 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 take an in-depth look at those numbers for $150,000 homes.

$150,000 House in Pembroke Pines 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

Like we mentioned earlier, wind mitigation measures create huge savings for homeowners. Those homes built after 2001 enjoy an average premium of $4,135 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.

$300,000 House in Pembroke Pines 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 Pembroke Pines 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.

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, Universal Property & Casualty Insurance Company, FedNat, Florida Penn, People’s Trust 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.

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.

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.

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.