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2025

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Best Homeowners Insurance Agencies in Fort Lauderdale, FL

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.

115Reviewed

73Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Fort Lauderdale
3598 W Prospect Rd Ste 100, Fort Lauderdale, FL 33309
Visit WebsiteLicense: L104787

Expertise.com Rating

Review Sources

Google
4.3 (46)
Facebook
5.0 (31)

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.

Best Homeowners Insurance Agencies Serving Fort Lauderdale
800 Corporate Drive Suite 220, Fort Lauderdale, FL 33334
Visit WebsiteLicense: R006935

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (1)

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.

  • Flood

Best Homeowners Insurance Agencies Serving Fort Lauderdale
831A N. Federal Hwy., Ft. Lauderdale, FL 33304
Visit WebsiteLicense: L083823

Expertise.com Rating

Review Sources

Facebook
5.0 (25)
Google
4.8 (18)

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.

  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Fort Lauderdale
1800 NE 26th Street, Wilton Manors, FL 33339
Visit WebsiteLicense: L060399

Expertise.com Rating

Review Sources

Google
4.9 (160)
Yelp
4.5 (41)
Facebook
4.6 (27)

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.

  • Homeowners

Best Homeowners Insurance Agencies Serving Fort Lauderdale
5975 N Federal Hwy, Suite 105, Fort Lauderdale, FL 33308
Visit WebsiteLicense: A082817

Expertise.com Rating

Review Sources

Google
4.5 (57)
Yelp
5.0 (4)

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.

  • Multiple Policy Types
  • Renter's Insurance
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Fort Lauderdale
2003 W. Cypress Creek Rd. Suite 110, Fort Lauderdale, FL 33309
Visit WebsiteLicense: L088614

Expertise.com Rating

Review Sources

Google
5.0 (20)

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.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Fort Lauderdale
3351 Hollywood Blvd, Hollywood, FL 33021

Expertise.com Rating

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.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Fort Lauderdale
3038 N Federal Highway, Fort Lauderdale, FL 33306
Visit WebsiteLicense: L066027

Expertise.com Rating

Review Sources

Google
4.9 (98)
Facebook
4.8 (26)
Yelp
3.2 (6)

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.

  • Multiple Policy Types
  • Homeowners

Best Homeowners Insurance Agencies Serving Fort Lauderdale
1200 S Federal Hwy., Fort Lauderdale, FL 33316
Visit WebsiteLicense: R028814

Expertise.com Rating

Review Sources

Google
4.8 (87)
Yelp
5.0 (2)

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.

  • Multiple Policy Types
  • Multiple Carriers
  • Auto Insurance

Best Homeowners Insurance Agencies Serving Fort Lauderdale
1 W Las Olas Blvd Suite 502, Fort Lauderdale, FL 33301
Visit WebsiteLicense: L108301

Expertise.com Rating

Review Sources

Google
5.0 (1)

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.

  • Multiple Policy Types
  • Renter's Insurance

Best Homeowners Insurance Agencies Serving Fort Lauderdale
2455 E Sunrise Blvd Suite 507, Fort Lauderdale, FL 33304
Visit WebsiteLicense: L022754

Expertise.com Rating

Review Sources

Facebook
5.0 (37)
Google
4.6 (10)
Yelp
3.0 (2)

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.

  • Renter's Insurance
  • Flood

Best Homeowners Insurance Agencies Serving Fort Lauderdale
805 East Broward Blvd Suite 303, Fort Lauderdale, FL 33301
Visit WebsiteLicense: P152056

Expertise.com Rating

Review Sources

Google
4.9 (44)

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.

  • Homeowners
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Clovered
3598 W Prospect Rd Ste 100, Fort Lauderdale, FL 33309
Cypress Insurance Group
800 Corporate Drive Suite 220, Fort Lauderdale, FL 33334
All In 1 Insurance Agency
831A N. Federal Hwy., Ft. Lauderdale, FL 33304
Pallant Insurance
1800 NE 26th Street, Wilton Manors, FL 33339
Danny Fernandez
5975 N Federal Hwy, Suite 105, Fort Lauderdale, FL 33308
Vertical Insurance Agency
2003 W. Cypress Creek Rd. Suite 110, Fort Lauderdale, FL 33309
Ace Underwriting Group
3351 Hollywood Blvd, Hollywood, FL 33021
Steve Botkin
3038 N Federal Highway, Fort Lauderdale, FL 33306
International Insurance & Tag Agency
1200 S Federal Hwy., Fort Lauderdale, FL 33316
We Insure Sofla Insurance Associates
1 W Las Olas Blvd Suite 502, Fort Lauderdale, FL 33301
E/G of Florida
2455 E Sunrise Blvd Suite 507, Fort Lauderdale, FL 33304
Steven Brooks
805 East Broward Blvd Suite 303, Fort Lauderdale, FL 33301

Fort Lauderdale, FL Homeowners Insurance Agency FAQs

  • 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.

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