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4801 South University Drive, Suite 245, Davie, FL 33328
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Davie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4801 South University Drive, Suite 245, Davie, FL 33328
View this agency's profile to learn more about their services.
12555 Orange Drive, Suite 103, Davie, FL 33330
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Learn about insurance coverage options specific to Davie residents.
Davie homeowners pay $4,517/year on average. Learn how inland location, wind mitigation, and horse property needs affect your rates and coverage options.
General Insurance EducationComplete insurance guide for Davie residents covering auto, homeowners, flood, and equestrian property coverage. Navigate Florida's market with confidence.
Car InsuranceDavie auto insurance averages $2,648/year. Learn Florida's $10K PIP requirement, I-595 accident risks, and how to save on coverage in this Broward County hub.
Car InsuranceDavie drivers pay $4,247/year for car insurance. Learn why rates are high in western Broward County and how to save on Florida's mandatory PIP coverage.
Yes, absolutely. Your homeowners policy does not cover flood damage from heavy rain, storm surge, or overflowing waterways. Even though Davie is inland, South Florida's flat terrain and intense rainstorms create flood risk throughout Broward County. A standard flood policy costs around $700 annually, though high-risk zones can exceed $2,000. Check your property's flood zone on FEMA's maps and get a quote even if you're not in a high-risk area.
A wind mitigation inspection examines your home's hurricane-resistant features—roof attachment, roof deck, window protection, roof-to-wall connections, and more. The inspector documents what qualifies for discounts, and Florida insurers are legally required to give you those discounts. You can save 20-45% on your premium depending on your home's features. The inspection costs a few hundred dollars, lasts five years, and typically pays for itself in the first year through premium savings.
Your inland location in western Broward County puts you 10 miles from the coast, which reduces your exposure to the most severe hurricane winds and storm surge. Coastal properties in Miami-Dade and eastern Broward pay 175-200% more in premiums than inland areas. You're still in the High Velocity Hurricane Zone with real hurricane risk, but insurers price based on distance from the coast, and that distance works in your favor.
Standard homeowners policies provide limited coverage for other structures—typically 10% of your dwelling coverage. For a $400,000 home, that's only $40,000 for all outbuildings combined, which won't adequately cover barns, stables, extensive fencing, and equipment. You need specialized farm and ranch insurance that provides higher limits for these structures and includes equine liability coverage if you keep horses on the property.
Your regular deductible applies to most claims—theft, fire, vandalism, tree falling on your roof. It's usually a flat dollar amount like $1,000 or $2,500. Your hurricane deductible is a percentage of your dwelling coverage and only applies when a named tropical storm or hurricane causes the damage. Most Davie policies have a 2% hurricane deductible, meaning you pay 2% of your dwelling coverage out of pocket before insurance pays anything.
Yes, many Davie homeowners are seeing decreases in 2025 after Florida passed insurance reforms in 2023 and 2024. These reforms stabilized the market by reducing frivolous lawsuits and allowing insurers to adjust rates more appropriately. Inland Broward County properties are seeing decreases of 10-20% from peak rates, though you're still paying more than the national average due to hurricane exposure. Shop around to make sure you're getting the benefit of these market improvements.
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