Abstract Insurance Agency
7744 Taft St Bay 2, Pembroke Pines, FL 33024
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7744 Taft St Bay 2, Pembroke Pines, FL 33024
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7744 Taft St Bay, #2, Pembroke Pines, FL 33024
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9672 Pines Blvd, Pembroke Pines, FL 33024
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9050 Pines Blvd, Ste 450-00, Pembroke Pines, FL 33025
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18503 Pines Blvd., Suite 206, Pembroke Pines, FL 33029
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8928 Taft Street, Pembroke Pines, FL 33024
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15800 Pines Blvd, Ste 3038, Pembroke Pines, FL 33027
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1931 NW 150th Ave., Suite 262, Pembroke Pines, FL 33028
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12215 Pembroke Rd, Unit 501, Pembroke Pines, FL 33025
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18450 Pines Blvd, Suite 207, Pembroke Pines, FL 33029
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Learn about insurance coverage options specific to Pembroke Pines residents.
Pembroke Pines home insurance averages $6,311/year. Learn how wind mitigation inspections can cut premiums up to 40% and navigate hurricane coverage.
Home InsuranceDiscover what drives Pembroke Pines home insurance costs and how to save with wind mitigation, roof inspections, and bundling strategies.
Car InsurancePembroke Pines drivers pay $289-$367/month for full coverage. Learn what affects your rates and how to save 20-40% with discounts and smart shopping.
General Insurance EducationComplete insurance guide for Pembroke Pines residents: PIP requirements, hurricane deductibles, flood zone changes, and wind mitigation savings.
Car InsurancePembroke Pines drivers pay $289/month average for car insurance. Learn Florida's no-fault PIP requirements, why rates are high, and how to save.
Renters InsurancePembroke Pines renters insurance averages $15-20/month. Get hurricane coverage, liability protection, and theft coverage. Flood insurance info included.
The average home insurance premium in Pembroke Pines is approximately $6,311 annually, which is about 115% higher than Florida's state average. Costs can vary significantly based on your home's age, construction features, hurricane deductible, and whether you have wind mitigation credits. Homes without wind-resistant features can see premiums exceeding $20,000 per year for a $300,000 property.
A wind mitigation inspection is an evaluation performed by a licensed professional that documents your home's hurricane-resistant features on a state-approved form. The inspection typically costs $75-$150 and can result in significant insurance discounts. Older homes that add hurricane-resistant features can see premium reductions up to 40%, while newer homes built after 2002 usually qualify for automatic credits once the inspection confirms their features meet building code requirements.
No, standard homeowners insurance policies explicitly exclude flood damage. You need a separate flood insurance policy from either the National Flood Insurance Program or a private flood insurer. This is especially important in Pembroke Pines, where FEMA added 22,000 properties to flood zone maps in 2024. The city participates in FEMA's Community Rating System, which can provide up to a 15% discount on flood insurance premiums.
Hurricane deductibles are calculated as a percentage of your dwelling coverage, typically ranging from 2% to 5%, rather than a flat dollar amount. For a $300,000 home, this means you could pay $6,000 to $15,000 out of pocket before insurance coverage begins. These deductibles only apply when the National Weather Service officially declares a hurricane, and they cover all hurricane-related damage from that storm event.
Citizens Property Insurance Corporation is Florida's state-run insurer of last resort, designed to provide coverage when private insurers won't or when their rates are unaffordable. The average cost with Citizens for a $300,000 home is about $9,582 annually. While Citizens serves an important function, it's best to shop the private market first, as Citizens is intended to be the option of last resort rather than necessarily the cheapest option.
Yes, through the My Safe Florida Home Program, which provides matching funds for hurricane mitigation improvements. For every $1 you spend on eligible upgrades like impact-resistant windows, roof reinforcement, or secondary water resistance, the program contributes $2, up to $10,000 in assistance. Low-income homeowners may qualify for additional support. The program also offers free wind mitigation inspections to help identify the most cost-effective improvements.
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