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Best Homeowners Insurance Agencies in Fort Lauderdale

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Ace Underwriting Group logo
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Florida Division of Insurance Agent and Agency Services

Ace Underwriting Group

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

Business Description

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.

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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
Facebook
4.5 / 5 (57)

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
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Detail
All In 1 Insurance Agency logo
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License: L083823

Florida Division of Insurance Agent and Agency Services

All In 1 Insurance Agency

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

Business Description

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.
4.8
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
Clovered logo
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License Verified:

License: L104787

Florida Division of Insurance Agent and Agency Services

Clovered

3598 W Prospect Rd Ste 100, Fort Lauderdale, FL 33309
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Business Description

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
4.5 / 5 (43)
Facebook
5.0 / 5 (15)

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
Cypress Insurance Group logo
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License Verified:

License: R006935

Florida Division of Insurance Agent and Agency Services

Cypress Insurance Group

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

Business Description

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.
4.8
Google
4.8 / 5 (18)
Yelp
5.0 / 5 (3)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Danny Fernandez logo
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License Verified:

License: A082817

Florida Division of Insurance Agent and Agency Services

Danny Fernandez

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

Business Description

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.
4.6
Google
4.5 / 5 (23)
Yelp
5.0 / 5 (3)

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
E/G of Florida logo
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License Verified:

License: L022754

Florida Division of Insurance Agent and Agency Services

E/G of Florida

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

Business Description

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.
4.7
Facebook
5.0 / 5 (15)
Google
4.6 / 5 (11)
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
International Insurance & Tag Agency logo
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License Verified:

License: R028814

Florida Division of Insurance Agent and Agency Services

International Insurance & Tag Agency

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

Business Description

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 (86)
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
Pallant Insurance logo
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License Verified:

License: L060399

Florida Division of Insurance Agent and Agency Services

Pallant Insurance

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

Business Description

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.
4.9
Google
4.9 / 5 (134)
Yelp
4.5 / 5 (31)
Facebook
4.7 / 5 (13)

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
Royal Insurance Agency logo
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License Verified:

License: R027363

Florida Division of Insurance Agent and Agency Services

Royal Insurance Agency

1425 S. Andrews Avenue, Suite 175, Fort Lauderdale, FL 33316
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  • Flood

Business Description

Royal Insurance Agency provides a wide range of personal and commercial policies for individuals and businesses in and around Fort Lauderdale. As an independent insurance agency, the company can help customers identify their needs and choose the coverage to help them achieve their goals. Homeowners', renters', car, motorcycle, flood, and individual life insurance are personal products available. Its commercial insurance coverages include business owners' policy, general liability, commercial property, commercial auto, and workers' compensation.

License Verified:

License: R027363

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.
4.2
Google
4.2 / 5 (10)

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
Steve Botkin logo
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License Verified:

License: L066027

Florida Division of Insurance Agent and Agency Services

Steve Botkin

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

Business Description

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 (72)
Facebook
4.6 / 5 (10)

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
Steven Brooks logo
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License Verified:

License: P152056

Florida Division of Insurance Agent and Agency Services

Steven Brooks

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

Business Description

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 (78)
Facebook
5.0 / 5 (3)

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
Vertical Insurance Agency logo
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License Verified:

License: L088614

Florida Division of Insurance Agent and Agency Services

Vertical Insurance Agency

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

Business Description

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 (10)
Facebook
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
We Insure Sofla Insurance Associates logo
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License Verified:

License: L108301

Florida Division of Insurance Agent and Agency Services

We Insure Sofla Insurance Associates

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

Business Description

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 (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
Back to Providers

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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