How much is homeowners insurance in Fort Lauderdale, FL

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The average cost of homeowners insurance in Fort Lauderdale is $4,717 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $2,213 more than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Fort Lauderdale depend on a number of factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Fort Lauderdale, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Fort Lauderdale.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Fort Lauderdale.

How much is homeowners insurance in Fort Lauderdale per month

According to our rate analysis, homeowners in Fort Lauderdale pay an average of $393 per month. It’s $12 more than the state average of $381 and $184 more than the national average for home insurance across the United States.

In Fort Lauderdale, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Fort Lauderdale

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $5,216 per year in Fort Lauderdale, FL. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurancecoverage.

How much is homeowners insurance for a $300,000 house in Fort Lauderdale

As per rate analysis by Insure.com, homeowners residing in Fort Lauderdale typically pay an average of $4,717 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by -$499 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Fort Lauderdale by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Fort Lauderdale, offering an average annual rate of $2,745, while Travelers ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Fort Lauderdale and compiled a list of the most affordable options.

Below are the details of home insurance companies in Fort Lauderdale and their average annual premiums.

Common natural disasters in Florida that may affect home insurance

Living in Florida comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Hurricane and Lightning are some of the most common natural disasters in Florida that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Fort Lauderdale for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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