Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lauderhill

Our Recommended Top 5

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 Lauderhill 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.

45Reviewed

29Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
751 Northeast 10th Street, Pompano Beach, FL 33060
  • Flood
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Condos

Why choose this provider?

Twinbrook Insurance is an independent agency that's protected residents near Lauderhill for more than 61 years. The company's agents work with a variety of carriers to help ensure homeowners receive the coverage that best fits their needs. Standard coverage includes the structure and contents of the home as well as liability and temporary living expenses. The Twinbrook Insurance team can assist clients with determining the appropriate policy. The agency also helps condo owners and renters.

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

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
2787 West Davie Boulevard, Fort Lauderdale, FL 33312
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

AAAble Insurance Agency has more than three decades of experience providing homeowners with independent advice and other services related to home insurance. The agency has access to the policies offered by some of the country's biggest insurance companies, enabling its agents to find one or more that suits the client's circumstances and is within their budget. AAAble Insurance Agency also specializes in auto insurance, commercial vehicle insurance, and workers' compensation.

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 (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
1391 Sunset Strip, Sunrise, FL 33313
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

American Insurance Agency offers personal and commercial insurance solutions to clients in Lauderhill, Sunrise, and the surrounding communities. Its agents cater to both new clients looking for an insurance policy for their private residences and existing homeowners' insurance holders with services such as payments or claims. The type of homeowners' insurance policy offered differs depending on the client's specific risk situation and budget. The company represents over 40 insurance carriers.

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
4.4 / 5 (18)
Facebook
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1395 West Sunrise Boulevard, Fort Lauderdale, FL 33311
  • Multiple Policy Types

Why choose this provider?

Joseph Insurance Group is an independent agency representing a variety of top carriers. The company's agents work with homeowners to ensure they receive personalized insurance coverage that meets their unique needs. They advise clients on the standard coverage options that include some natural disasters, personal contents, liability, and pet damage. Joseph Insurance Group's team also provides information on supplement homeowners coverage. The company secures insurance for condo and motor home owners as well as renters.

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 (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

Website
1773 North State Road 7, Lauderhill, FL 33313
  • Fire
  • Flood

Why choose this provider?

S.E. Benchmark Insurance Agency assists homeowners in Lauderhill with finding the insurance coverage that best fits their needs. The independent agency works with a variety of carriers to provide clients with the most appropriate protection. Its agents explain what specific policies cover, such as protection against some natural disasters, theft or vandalism, liability, and damage caused by household pets. Homeowners insurance also covers personal possessions, such as appliances and camera equipment.

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 (42)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • 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 is the difference between insuring your Lauderhill home for actual cash value (ACV) versus replacement cost value (RCV)?

    If your homeowners' insurance is based on ACV, the insurer will pay the value of the damaged item minus depreciation. For example, if your 10-year-old roof is damaged and has a life expectancy of 20 years, the insurer will only cover half of the cost of roof replacement. Meanwhile, if your Lauderhill home is protected by RCV, the insurer will cover the cost of roof replacement regardless of depreciation. RCV policies have higher premiums than ACV policies.

  • Are the belongings of other people in your house also covered under your homeowners’ insurance policy in Lauderhill?

    Yes. Personal property coverage is also provided by homeowners' insurance for the policyholder's legal spouse, as well as other people living in the house who are the policyholder's relatives or are under the age of 21 and in the policyholder's care. Personal property coverage pays for the damaged belongings of the other resident, whether they are inside or outside your Lauderhill home.

  • What is opening protection and how can it help you save on homeowners’ insurance costs in Lauderhill?

    Opening protection refers to the number of wind-resistant features in your Lauderhill home, such as reinforced garage doors, impact-resistant coverings, and hurricane shutters. If your home passes the Uniform Mitigation Verification Inspection with the required level of opening protection, you may be eligible for policy discounts. In Florida, all homeowners' insurance companies provide opening protection discounts. To pass, the features must be hurricane-rated and meet Florida Building Code requirements.

  • When can you expect payment for your homeowners’ insurance claim in Lauderhill?

    Within 60 days of receiving your claim, you should receive payment or denial from the insurance company. This deadline may be extended only if the cause of the delay is beyond the insurer's control. If some of your claim is contested, your Lauderhill insurer should still pay for the remaining uncontested portions within the 60-day deadline.

  • What details about your home can significantly affect your homeowners’ insurance policy in Lauderhill?

    Your home's roof type, construction material, distance to the nearest fire hydrant, and dog breed all have an impact on your insurance policy in Lauderhill. Insurers will offer discounts if you have a hip roof, which is more resistant to wind damage than a flat roof. A house with a restricted dog breed may only receive limited liability coverage. Meanwhile, a masonry home within 1,000 feet of a fire hydrant would command a lower price.

  • 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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