Advantage Plus Insurance, Inc.
7754 NW 44th St, Lauderhill, FL 33351
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Lauderhill households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7754 NW 44th St, Lauderhill, FL 33351
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3810 Inverrary Blvd Suite 404-B, Lauderhill, FL 33319
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3800 Inverrary Blvd, #108, Lauderhill, FL 33319
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4300 N University Dr, Ste E103, Lauderhill, FL 33351
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4300 N University Dr E103, Lauderhill, FL 33351
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Learn about insurance coverage options specific to Lauderhill residents.
Lauderhill insurance guide covering auto, home, and local agents. Learn about 2026 rate decreases, FL requirements, and Broward County coverage.
Home InsuranceCompare Lauderhill home insurance rates, understand flood zone requirements, and learn why coverage costs are finally stabilizing in Broward County for 2026.
Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability. However, these minimums often leave significant coverage gaps. If you cause an accident that damages a vehicle worth more than $10,000 or injures someone seriously, you'll be personally responsible for the excess costs. Most experts recommend carrying at least $100,000/$300,000 in bodily injury liability coverage even though it's not legally required.
Yes. Over 50% of homeowners in Broward County are seeing rate reductions in 2026, with an average decrease of 14.1% for those insured through Citizens Property Insurance. For auto insurance, 42 companies have filed for rate decreases in the past year, with some insurers cutting rates by 7-8%. These reductions are the result of insurance reforms that reduced litigation and brought more competition to the market.
Even though Lauderhill is not directly on the coast, flood insurance is highly recommended. Standard homeowners policies don't cover flooding from heavy rainfall or storm surge. South Florida's flat terrain and proximity to the coast make flooding a real risk during hurricane season. You can purchase flood insurance through the National Flood Insurance Program or private insurers, and it's often more affordable than people expect.
Auto insurance premiums in Broward County typically exceed $4,000 per year, making it one of the more expensive counties in Florida. High traffic congestion, elevated accident rates, and South Florida's litigious environment all contribute to these costs. However, with 42 insurers recently filing for rate decreases, shopping around can help you find significant savings.
Working with one of Lauderhill's local insurance agencies gives you access to agents who understand Broward County's specific risks, from hurricane exposure to local accident patterns. Local agents know which insurers are actively writing policies in your area and can help you navigate complex claims. They can also identify bundling opportunities and discounts you might miss when shopping online.
Start by shopping around and comparing quotes from at least three insurers, especially with rates dropping in 2026. Bundle your auto and home insurance to get 15-25% discounts. Increase your deductibles if you have emergency savings to cover them. Ask about discounts for good driving records, home security systems, and paying premiums in full. Finally, review your coverage annually to make sure you're not paying for coverage you don't need.
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