Broward County Homeowners Insurance —
Compare 2026 Rates
Broward County homeowners saw some of the largest premium spikes in 2023–2024. In 2026, new carriers and tort reforms are finally bringing rates down. If you haven't compared in 12 months, you're likely overpaying.
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What's Unique About Broward County Insurance
High-Velocity Hurricane Zone (HVHZ)
Broward County falls within Florida's High-Velocity Hurricane Zone — the same designation as Miami-Dade. This means stricter building codes but also significant wind mitigation discounts if your home has impact windows, a hip roof, or a recent roof replacement.
Wind Mitigation Inspections Can Save 10–45%
A licensed wind mitigation inspector evaluates your roof shape, opening protection, and roof deck attachment. In Broward, homes built after 2002 often qualify for substantial credits. If your inspection is older than 5 years, a new one could unlock savings your current carrier isn't applying.
Citizens Insurance Take-Out Offers in Broward
Citizens Insurance has been actively depopulating in Broward County. If you received a take-out offer from a private carrier, you have 30 days to accept or reject. Don't let it expire — call us to compare the new carrier's rates against the market.
2026 Rate Decreases Are Real — But Not Universal
While the statewide average decreased 8.7%, individual rates vary by zip code, roof age, and claims history. Broward zip codes near the coast (33316, 33019) may still see higher rates than inland areas (33065, 33071).
Average Rates by Broward City (2026)
| City | Avg Annual Premium | Key Factor |
|---|---|---|
| Fort Lauderdale | $3,200–$5,800 | Coastal proximity, older housing stock |
| Hollywood | $2,900–$5,200 | Mixed coastal/inland, HVHZ |
| Pompano Beach | $3,100–$5,600 | Coastal flood risk |
| Coral Springs | $2,400–$3,800 | Inland, newer construction, lower risk |
| Miramar | $2,600–$4,200 | Newer homes, good wind mitigation |
| Deerfield Beach | $2,800–$4,800 | Coastal exposure, older roofs |
Compare Your Broward County Rate
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