Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Fort Lauderdale

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fort Lauderdale Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

115

Reviewed

73

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3598 W Prospect Rd Ste 100, Fort Lauderdale, FL 33309

Why choose this provider?

Clovered is an insurance agency based in Fort Lauderdale. It provides homeowners with financial coverage to their properties and belongings, protecting them from the wrath of weather disturbances such as tornadoes, snowstorms, hurricanes, hail, and lightning. Its homeowners' insurance products also protect clients from damages caused by fires, rioters, vandals, and burglars. The company's other products include landlord, condo, flood, auto, boat, and renters' insurance. Clovered has served over 24,000 clients across 19 states. It has been featured on The Denver Post, MSN, and Apartment Therapy.

License Verified:

License: L104787

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.3 / 5 (46)
Facebook
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
831A N. Federal Hwy., Ft. Lauderdale, FL 33304
  • Multiple Carriers

Why choose this provider?

All In 1 Insurance Agency is an independent insurance firm that serves individuals, families, and businesses from Fort Lauderdale and the surrounding areas. It provides homeowners' and renters' insurance plans, covering damages caused by fire, hail, lightning, and hurricanes. The company's other insurance products include automobile, motorcycle, health, and life insurance. All In 1 Insurance is a Trusted Choice agency and has been in operation for more than seven years.

License Verified:

License: L083823

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (25)
Google
4.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1800 NE 26th Street, Wilton Manors, FL 33339
  • Homeowners

Why choose this provider?

Pallant Insurance is an independent agency serving Fort Lauderdale. It assists homeowners in finding policies that meet their needs, including coverage for off-premises theft, personal injuries, secondary homes, personal collections, and property damage caused by fires and floods. For over two decades, the company has helped clients protect their investments. With experience as real estate brokers, its agents can render insights on various aspects of homeownership. Pallant Insurance carries products from several companies, including Chubb, Edison Florida Family Insurance, Progressive, and Travelers.

License Verified:

License: L060399

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (160)
Yelp
4.5 / 5 (41)
Facebook
4.6 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3351 Hollywood Blvd, Hollywood, FL 33021
  • Multiple Policy Types

Why choose this provider?

Ace Underwriting Group is an independent insurance firm serving clients in Fort Lauderdale. It specializes in providing homeowners' insurance that covers flooding, hurricane damage, house fire, and theft. It also offers auto, business, commercial, and personal insurance, which protects furniture and other belongings. Since 1989, the firm has taken pride in serving only the residents of Florida to provide a comprehensive range of insurance options that are customized to their needs and experiences.

License Verified:

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5975 N Federal Hwy, Suite 105, Fort Lauderdale, FL 33308
  • Multiple Policy Types
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Danny Fernandez is a State Farm insurance agent who has been with the company since 1998. He offers a range of insurance solutions to policy buyers in Fort Lauderdale, including coverage for homeowners. Homeowners' insurance can cover the repair and replacement of the house and personal possessions. Fernandez is a Chartered Property Casualty Underwriter and can communicate with his clients in English, Spanish, and Portuguese. He is also a member of the National Association of Insurance and Financial Advisors.

License Verified:

License: A082817

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (57)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
800 Corporate Drive Suite 220, Fort Lauderdale, FL 33334
  • Flood

Why choose this provider?

Cypress Insurance Group provides insurance policies for individuals and businesses in Fort Lauderdale and other South Florida communities. The company's insurance agents live in the same community as the people they serve, so they understand the risks residents face on a personal level. Customers looking for personal insurance coverage for their homes, personal belongings, condo units, automobiles, and boats are given several options and advice to make well-informed decisions. The agency also assists local businesses, religious institutions, and nonprofit organizations with general liability, workers' compensation, and umbrella coverage plans.

License Verified:

License: R006935

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (4)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1200 S Federal Hwy., Fort Lauderdale, FL 33316
  • Multiple Policy Types
  • Multiple Carriers
  • Auto Insurance
  • Commercial Insurance

Why choose this provider?

International Insurance & Tag Agency is a family-owned business that caters to clients in Fort Lauderdale. It provides a wide range of personal and commercial lines of insurance, including protection plans for homeowners. The homeowners' policy covers clients' properties, personal belongings, living expenses, medical bills, and liability in case of a covered loss. Insurance coverages for vacation houses and high-value properties are also available. The firm's insurance specialists also assess clients' needs and help them decide which insurance package is right for them.

License Verified:

License: R028814

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (87)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2455 E Sunrise Blvd Suite 507, Fort Lauderdale, FL 33304
  • Renter's Insurance
  • Flood

Why choose this provider?

E/G of Florida is an independent insurance agency that offers services to its personal and commercial clients in Fort Lauderdale and other select areas. It provides customized property plans, including homeowner's, condominium, renter's, flood, and umbrella insurances. Its team also attends to vehicle, marine, and hospitality insurance matters. The company offers insurance products from companies such as AIG, Progressive, Safeco Insurance, Travelers, UPC Insurance, and Wright Flood. E/G Florida has been lending its expertise for more than 20 years.

License Verified:

License: L022754

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (37)
Google
4.6 / 5 (10)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2003 W. Cypress Creek Rd. Suite 110, Fort Lauderdale, FL 33309
  • Multiple Policy Types

Why choose this provider?

Vertical Insurance Agency is a multi-line company operating in Fort Lauderdale. It helps individuals and families in shopping from a variety of homeowners' insurance coverages that fit their needs and goals. Its team of independent agents partners with multiple insurance carriers, including UnitedHealthcare, Progressive, and Universal North America, to provide a wide range of tailored policy options. The company also offers life, auto, and business insurance plans. Past clients have praised it for helping them in choosing the available coverage options across the state.

License Verified:

License: L088614

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1 W Las Olas Blvd Suite 502, Fort Lauderdale, FL 33301
  • Multiple Policy Types
  • Renter's Insurance

Why choose this provider?

We Insure SOFLA Insurance Associates, LLC, serves individuals, families, and businesses in the Fort Lauderdale area. It delivers personalized customer service unique in the insurance industry while providing clients with experience, integrity, honesty, and transparency. Michael Internoscia has been in the real estate industry for 30 years, while Miriam Perez has been in the insurance industry for 27 years. Together they pride themselves in knowing that they provide coverages that fit the specific needs of their clients. They offer an extensive portfolio of insurance products.

License Verified:

License: L108301

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3038 N Federal Highway, Fort Lauderdale, FL 33306
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Steve Botkin is a State Farm insurance agent serving clients in Fort Lauderdale. Botkin and his Spanish-speaking team of account representatives offer a range of home and property insurance, including homeowners, condominium, renters', rental property, personal articles, and manufactured home plans. In addition, the agency offers car, small business, life, health, and disability insurance, as well as financial services. Botkin has been a State Farm agent since 1986. He is a State Farm Crystal Excellence, State Farm Ambassador, and State Farm Chairman's Circle qualifier.

License Verified:

License: L066027

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (98)
Facebook
4.8 / 5 (26)
Yelp
3.2 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
805 East Broward Blvd Suite 303, Fort Lauderdale, FL 33301
  • Homeowners
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Serving in Fort Lauderdale and neighboring areas, Steven Brooks is part of the network of independent insurance agents at Great Florida Insurance. Representing numerous top-rated insurance carriers like Mercury Insurance and Progressive, Steven has a wide range of insurance policies to offer. Among these offerings is homeowners' insurance, which protects the dwelling structure and personal belongings in the event of untimely events like theft, hail, and fire. It also covers financial losses due to liability and bodily injury in the property premises.

License Verified:

License: P152056

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Are there any financial benefits for policyholders in Fort Lauderdale who have hurricane-resistant features installed in their homes?

    Yes, policyholders in Fort Lauderdale who have incorporated hurricane-resistant attributes like impact-resistant windows or hurricane shutters into their homes could be eligible for discounts from insurance providers. This aligns with the Florida statute, which mandates that insurance companies extend Florida homeowners discounts, credits, or alternative rate differentials for specific construction methods that mitigate wind damage resulting from wind-related claims.

  • Is it required to have a homeowners insurance in Fort Lauderdale?

    No. Homeowners in Fort Lauderdale are not required to carry insurance to protect against fire, water, theft, or storms. However, to protect their loan, mortgage lenders may require homeowners' insurance, windstorm protection, and flood coverage from borrowers. However, the owner can forego insurance or self-insure if the house is completely paid for.

  • Which specific home attributes can help Fort Lauderdale homeowners become eligible for insurance discounts?

    Some of the specific home features that can qualify Fort Lauderdale homeowners for a discount are:

    • Homes within gated communities.
    • Homes equipped with burglar and fire alarms.
    • Properties constructed by accredited builders.
    • Homes featuring built-in sprinkler systems. Home insurance companies vary in the discounts they provide, making it valuable to explore multiple options before making a decision.
  • Does homeowners' insurance in Fort Lauderdale cover routine maintenance or home repairs?

    Homeowners' insurance in Fort Lauderdale does not cover regular maintenance or ordinary home repairs because these fall under the homeowner's obligation. Home insurance policies offer coverage specifically for situations involving damage. However, events such as floods and earthquakes are not covered by standard homeowners insurance and require separate policies for coverage.

  • Where can one go to find more reasonably priced home insurance in the Fort Lauderdale area?

    To discover more cost-effective insurance options in Fort Lauderdale, individuals should consider:

    • Comparing insurance packages from different companies.
    • Opting for a higher deductible to lower monthly payments.
    • Exploring home enhancements like storm-resistant doors, windows, or security systems that can reduce premiums.
    • Exploring the possibility of bundling auto, boat, or home insurance with a single company.
    • Checking if the insurance company provides discounts for annual payments.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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