Home Insurance Premium increased Over 31% in Fort Lauderdale in 2024 — We Can Help You Save!

If your home has a newer roof and impact windows, you may qualify for significant discounts.
Check our competitive rate for high-value homes over $1 Million in Replacement Cost with Hurricane.

📞 Call for a no-obligation quote at 954-454-9599

 

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Home Insurance Ft Lauderdale

What Is Home Insurance and Why Do You Need It?“

It is a written contract between you and a Florida Insurance company that agrees to repair or reimburse you for your damaged property caused by a hurricane, tropical windstorm, theft, fire, sinkhole, water leaks, and flood. In addition, this policy provides legal defense in the event you or a member of your family get sued for personal injury.

🏠 What Types of Home We Can Insure in Fort Lauderdale?

We offer insurance for a wide variety of residential properties, including:

  • ✅ Primary Residences

  • ✅ Secondary (Vacation) Homes

  • ✅ Yearly Rental Homes

  • ✅ Short-Term Rentals

  • ✅ AirBnB Homes

🤝 How We Can Help You with your Home Insurance?

At G. Zein Insurance Services, we offer:

  • 💡 Free, no-obligation home insurance quotes tailored to your home and budget

  • 🏢 Licensed representation with top-rated home insurance carriers

  • 🛡️ Insurance for homes valued between $300,000 to $10,000,000 in construction cost

  • ✅ Claim support to help you navigate property damage situations

Understanding Home Insurance Coverages in Fort Lauderdale?

  • Dwelling – The dwelling policy limit is appraised based on the current 100% replacement cost value. Our local insurance agent can run a replacement cost estimator to help you determine your home’s 100% insurable value. Dwelling replacement coverage includes all walls, flooring, electrical fixtures, kitchen cabinets, bathroom cabinets, and any outside detached structures such as a garage and pool.
  • Personal Liability – This policy provides financial protection to you and your family against any civil lawsuit filed in court against your family. The policy limit is covered up to $1 Million to include legal defense costs and court costs.
  • Personal Items – This policy insures your belongings, such as furniture, clothing, and electrical equipment. Thus, any claim is evaluated according to the current replacement cost of that particular item.
  • Loss of Use – The policy pays for temporary living relocated in a nearby hotel or rental apartment, in the event your home is damaged due to a hurricane, fire, or other unexpected catastrophes until your home is completely repaired and livable.
  • Jewelry Insurance and Fine Arts – We insure high-ticket items like jewelry and fine arts; a separate application is needed to quote along with a current appraisal and pictures. Above all, this policy does include an endorsement for mysterious disappearance.
  • Hurricane and Wind – The policy covers your home against natural disasters caused by a named hurricane or high windstorm. You have an option to pick a 2%, 5%, or 10% hurricane deductible.
  • Personal Umbrella Insurance – The policy covers you and your family for any personal liability claim filed against you in court. This coverage becomes active after exhausting your home insurance policy limit of $300,000. A personal umbrella policy is available up to the limit of $25 Million.

🏛️ What are the Special Insurance Coverage Endorsements (For Luxury Homes)?

We insure high-value and luxury homes with added policy benefits:

  • ✔️ Extended Living Expenses

  • ✔️ Enclosed Screen Porch & Boat Dock Coverage

  • ✔️ Electrical & Mechanical Breakdown Protection

  • ✔️ Contents Replacement at 100% value

  • ✔️ High-value jewelry/art coverage without appraisal (specific policies)

  • ✔️ Full restoration compliant with local building codes

  • ✔️ Extended Dwelling Coverage: Up to 125% of current policy limits

💰 What Is the average Cost of Home Insurance in Fort Lauderdale?

Your premium depends on factors such as:

  • ✅ Credit score

  • ✅ Value of your belongings

  • ✅ Add-ons: Pool, screen enclosures, detached structures

  • ✅ County location & Wind Zone classification

  • ✅ Age of home, roof, plumbing, and electrical systems

  • ✅ Deductible choices (windstorms & other perils)

💸 How to Save Money on Homeowners Insurance in Fort Lauderdale?

Here are 8 ways to qualify for home insurance discounts:

  • Good credit score

  • Senior citizen resident

  • Live in a gated community

  • Updated roof: Shingles < 15 years, Tiles < 25 years

  • No claims in past 5 years (excluding Acts of God)

  • Continuous prior coverage with no lapse in 12 months

  • Fire and burglary alarms connected to central monitoring

  • Hurricane shutters or impact windows, including garage door

📞 Get a Home Insurance Quote in South Florida.

In able to receive a High-Value Home Insurance quote today, please fill out a request form. Our local agent is ready to shop on your behalf for an affordable package policy deal. For any further questions or concerns, feel free to call G. Zein Insurance Services now at (954) 454-9599. We are here to answer all of your questions, so you can make a wise decision.

🛡️ We Write Home Insurance Policies With:

Universal P&C, Monarch National, Citizens, Slide, Lloyds of London, Others.

Talk with an Agent today for a Free Consultation

All Inquiries are welcome and look forward to assisting you.