AA Insurance World Services
8868 Miramar Pkwy, Miramar, FL 33025
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Miramar households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8868 Miramar Pkwy, Miramar, FL 33025
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3350 SW 148 Ave, Ste 110, Miramar, FL 33027
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3350 SW 148th Ave, Suite 110, Miramar, FL 33027
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3350 SW 148th Ave, Suite 110, Miramar, FL 33027
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2101 SW 101st Ave, Ste 104, Miramar, FL 33025
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14359 Miramar Pkwy, Suite 375, Miramar, FL 33027
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3350 SW 148th Ave, Ste 110, Miramar, FL 33027
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2900 SW 149th Ave, Suite 100, Miramar, FL 33027
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11820 Miramar Pkwy, Ste 223, Miramar, FL 33025
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3600 South State Road 7, Suite 236, Miramar, FL 33023
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Learn about insurance coverage options specific to Miramar residents.
Miramar home insurance averages $3,882/year. Learn about flood zones, hurricane coverage, HOA discounts, and ways to save on your South Florida policy.
Car InsuranceMiramar drivers pay $2,556-$2,784/year for car insurance. Learn why Broward County rates are high, what Florida's PIP requires, and how to save money.
General Insurance EducationComplete insurance guide for Miramar, FL residents. Learn about hurricane zone coverage, flood insurance requirements, and 2025 rate changes in Broward County.
Car InsuranceGet affordable auto insurance in Miramar. Understand Florida's no-fault PIP system, find local agents, and save with 2025 rate drops in Broward County.
Miramar homeowners typically pay around $3,882 annually for standard home insurance covering a home valued at approximately $450,000 with windstorm protection. Homes over 2,500 square feet average $4,682 per year, while smaller homes under 2,500 square feet average $2,912 annually. These rates don't include flood insurance, which can add another $1,200-$3,000 per year if you're in a FEMA flood zone.
If your property falls within a FEMA Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is mandatory. In July 2024, nearly 48,000 Miramar properties were added to these zones. Even if you're not in a high-risk zone, flood insurance is highly recommended since standard homeowners policies exclude flood damage and South Florida experiences regular heavy rainfall flooding.
A 2% hurricane deductible means you pay 2% of your home's insured value out-of-pocket before your windstorm coverage kicks in. For a $450,000 home, that's $9,000 you'll pay before insurance covers hurricane damage. This is standard in Florida coastal areas and applies separately from your regular deductible for non-hurricane claims.
Yes, many insurers offer discounts for homes in gated communities with security features like 24-hour guards or roving patrols. These discounts reflect lower theft risk and can reduce your premium by 5-15%. Additionally, HOA master insurance policies often cover common areas and shared structures, which can reduce your individual coverage needs and costs.
Installing impact-resistant windows and doors can reduce premiums by 10-30%. Upgrading to a new wind-rated roof can cut costs significantly, especially if your current roof is over 15 years old. Retrofitting hurricane straps to secure your roof structure can save 10-20%. Many insurers also offer discounts for burglar alarms, fire alarms, and smart home monitoring systems.
Broward County home insurance rates jumped 31% between 2022 and 2024 due to hurricane exposure, increased flood risk, and Florida's statewide insurance crisis. The area faces regular hurricane threats, costly storm damage, and recent market instability that drove many insurers out of Florida. Rates are beginning to stabilize in 2025 as more carriers return to the market and legal reforms reduce frivolous claims.
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