AP Hawkins Insurance
2810 E Oakland park blvd, Fort Lauderdale, FL 33306
Group Health
Loading...
City directory
Fort Lauderdale households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2810 E Oakland park blvd, Fort Lauderdale, FL 33306
225 SW 33rd Street, Suite A, Fort Lauderdale, FL 33315
View this agency's profile to learn more about their services.
1500 West State Road 84, Fort Lauderdale, FL 33315
View this agency's profile to learn more about their services.
1025 NE 18TH AVE, UNIT 104, FORT LAUDERDALE, FL 33304
View this agency's profile to learn more about their services.
1 E Broward Blvd, Suite 719, Fort Lauderdale, FL 33301
View this agency's profile to learn more about their services.
1 E Broward Blvd, Fort Lauderdale, FL 33301
View this agency's profile to learn more about their services.
501 E Las Olas Blvd, Fort Lauderdale, FL 33301
View this agency's profile to learn more about their services.
2833 Executive Park Dr, Fort Lauderdale, FL 33308
View this agency's profile to learn more about their services.
6451 N Federal Hwy, Ste 402, Fort Lauderdale, FL 33308
View this agency's profile to learn more about their services.
1000 SW 65th St, Fort Lauderdale, FL 33309
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Fort Lauderdale residents.
Fort Lauderdale home insurance costs $8,347 yearly on average. Learn about hurricane deductibles, flood coverage, waterfront property needs, and Citizens Insurance.
Home InsuranceFort Lauderdale home insurance averages $10,917/year. Learn about canal home premiums, hurricane deductibles, flood coverage, and how to save up to 40%.
Car InsuranceFort Lauderdale drivers pay $5,418/year on average—50% above state rates. Learn why costs are high, how to save with telematics, and compare Miami & Boca.
Car InsuranceFort Lauderdale drivers pay $5,418/year average. Learn about Florida's no-fault system, 2026 PIP changes, I-95 risks, and how to find affordable coverage.
General Insurance EducationComplete guide to Fort Lauderdale insurance including no-fault auto, homeowners, flood, and marine coverage. Learn requirements and costs for 2025.
Renters InsuranceFort Lauderdale renters insurance costs $18-25/month. Learn about hurricane coverage, flood insurance needs, and protecting beach & downtown rentals.
Yes, especially given Fort Lauderdale's geography. The city is surrounded by water and most properties sit in or near Special Flood Hazard Areas. New FEMA flood maps that took effect July 31, 2024 expanded flood zones by 15% in Broward County. Standard homeowners insurance excludes flood damage entirely, so without a separate flood policy, you'd pay 100% of flood damage costs out of pocket. Even if your mortgage doesn't require it, flood insurance is highly recommended for Fort Lauderdale homeowners.
Fort Lauderdale homeowners pay an average of $8,347 annually for home insurance—nearly three times what inland Florida cities pay. Waterfront properties with canal or ocean access often exceed $10,000 per year. These high costs reflect Fort Lauderdale's coastal location and hurricane vulnerability. Add separate flood insurance at $850 to $3,000+ annually, and total insurance costs can easily reach $10,000 to $13,000 per year for well-protected coastal homes.
Hurricane deductibles are calculated as a percentage of your dwelling coverage (typically 2%, 5%, or 10%) rather than a flat dollar amount. On a $300,000 home with a 2% hurricane deductible, you'd pay $6,000 out of pocket for hurricane damage. Hurricane deductibles only apply to storms officially declared hurricanes by the National Hurricane Center. Your regular deductible applies to all other claims, including tropical storm damage that occurs before hurricane declaration.
Standard homeowners policies include limited coverage for docks under Coverage B (other structures), typically just 10% of your dwelling coverage. For a $300,000 home, that's only $30,000—far less than most custom docks cost. If you have a boat dock, yacht lift, or seawall, document its value and discuss additional coverage with your agent. Many Fort Lauderdale waterfront homeowners need specialized endorsements or separate policies to properly protect expensive marine structures.
Citizens Property Insurance Corporation is Florida's state-backed insurer of last resort, created to provide coverage when private insurers won't. It's not necessarily your first choice—you can only get Citizens if you're unable to find affordable private coverage. Citizens is currently working to move policyholders to private insurers, with policy counts dropping from 1.3 million to under 800,000. If you receive an offer from a private insurer while with Citizens, carefully compare coverage and costs before switching.
No, you need two separate policies. Your homeowners insurance covers wind damage from hurricanes, including damage to your roof, windows, and home structure caused by high winds. However, it specifically excludes flood damage from storm surge or heavy rainfall. For flood protection, you must purchase a separate flood insurance policy, typically through the National Flood Insurance Program or a private flood insurer. Most Fort Lauderdale homeowners need both to be fully protected during hurricane season.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network