Premier Protection

Homeowners Insurance in Fort Lauderdale & Broward County

Homeowners insurance for Fort Lauderdale, Sunrise, Weston, Plantation, Pembroke Pines, and the rest of Broward County. We match your home to the right carrier so the structure, your belongings, and your liability are all protected from coastal storms and everyday risks.

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Reliable security for the homes you work hard to build.

Coverage basics

What is homeowners insurance?

Homeowners insurance is a financial safety net that protects your most valuable investment from unexpected loss. For Broward County homeowners, from Fort Lauderdale to Pembroke Pines and over into Miami, it's a core part of owning property, not just a formality.

A solid policy covers the physical structure of your home, your belongings, and your personal liability. Whether you face fire, theft, or coastal storms, it keeps your finances intact.

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Asset Security

Protection for the physical equity you've built.

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Legal Shield

Defense against personal liability claims.

Coverage

Core coverage pillars

Coverage built to account for every part of your life, so nothing important is left exposed.

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Dwelling Coverage

Rebuild or repair the physical structure of your home, including attached structures like garages or lanais, after covered perils such as fire or windstorms.

check_circleGuaranteed Replacement Cost Options
check_circleAttached Structures & High-Value Materials

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Personal Property

Protection for your furniture, electronics, clothing, and high-value collections, whether at home or with you while traveling.

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Personal Liability

Protection against claims for bodily injury or property damage that others sustain on your premises.

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Additional Living Expenses

If a disaster makes your home uninhabitable, we cover the cost of temporary housing and living expenses so your life keeps moving.

Hotel suite representing temporary housing coverage

Local risk

Why Florida residents need this

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The Windstorm Factor

Standard Florida policies include separate hurricane deductibles. We explain how these triggers work and how to lower costs through wind mitigation inspections.

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Flood Risk Realities

Many assume homeowners covers rising water. It doesn't. We layer your primary policy with federal or private flood coverage for full protection.

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Coastal Inflation & Cost-to-Rebuild

Labor and material costs in Florida vary widely. We use local data so your dwelling coverage keeps pace with actual construction costs.

FAQ

Common questions

The nuances of Florida homeowners insurance, answered.

Does standard insurance cover hurricane damage?expand_more

Yes, wind damage from a hurricane is typically covered, but it falls under a separate “Hurricane Deductible,” which is usually a percentage of your home's value (e.g., 2%, 5%, or 10%). Flood damage from rising water is NOT covered and requires a separate policy.

How can I lower my premiums in Florida?expand_more

The most effective way to lower premiums in Florida is through a Wind Mitigation Inspection. Installing hurricane-grade windows, doors, and secondary water barriers can trigger significant discounts.

What is “Replacement Cost” vs “Actual Cash Value”?expand_more

Replacement Cost pays to replace your property with new materials of similar quality, without deducting for depreciation. Actual Cash Value (ACV) only pays what the item was worth at the time of loss, which is often much less due to age and wear.

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