America Enroll Insurance
1836 N Pine Island Rd, Plantation, FL 33322
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Plantation households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1836 N Pine Island Rd, Plantation, FL 33322
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10167 W Sunrise Blvd, 3rd, Floor, Plantation, FL 33322
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950 S Pine Island Rd, Ste A150, Plantation, FL 33324
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1776 N Pine Island Rd, Ste 324, Plantation, FL 33322
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7520 NW 5th St, Ste 201, Plantation, FL 33317
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7520 NW 5th Ave, #201, Plantation, FL 33317
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8201 Peters Rd, Suite 1000, Plantation, FL 33324
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1797 N University Dr, Plantation, FL 33322
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1830 N University Dr, Plantation, FL 33322
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7860 Peters Rd, Ste F102, Plantation, FL 33324
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Learn about insurance coverage options specific to Plantation residents.
Plantation homeowners pay $7,655/year on average. Learn how roof age, wind mitigation, and bundling can cut your premiums by 25% or more.
Home InsurancePlantation home insurance averages $7,655/year. Learn how wind mitigation, flood zones, and hurricane coverage affect your rates plus ways to save money.
Car InsurancePlantation auto insurance averages $2,600-3,300/year. Learn Florida's no-fault PIP requirements, why uninsured motorist coverage is essential, and how to save.
Car InsurancePlantation drivers pay $2,803/year for car insurance. Learn why Broward County rates are high and how safe driver, telematics, and multi-car discounts save you money.
Business InsurancePlantation businesses need workers' comp, E&O, cyber liability & more. Learn Florida requirements, corporate park coverage needs & costs for 2025.
Renters InsurancePlantation renters insurance costs $8-26/month. Learn about hurricane coverage, flood protection, and why most apartments require it. Get affordable quotes.
Homeowners insurance in Plantation costs approximately $7,655 per year on average, or about $638 per month. This is significantly higher than the national average due to Florida's hurricane risk, litigation costs, and rising construction expenses. Your actual premium will depend on factors like your home's age, roof condition, wind mitigation features, and coverage limits.
If your roof is 15 years or older, Florida law allows insurers to require an inspection proving your roof has at least 5 years of remaining useful life. If the inspection shows significant wear, your insurer may refuse to renew your policy, offer only actual cash value coverage instead of replacement cost, or require a full roof replacement. Some insurers will still cover older roofs if they have wind mitigation features like a secondary water resistance barrier.
A wind mitigation inspection examines specific features that make your home more hurricane-resistant, including roof shape, roof-to-wall connections, opening protection, and secondary water barriers. The inspection costs $75-150 and can unlock premium discounts of 10-20% or more depending on your home's features. Many homeowners discover they already have qualifying features that weren't documented, making this one of the best returns on investment for reducing insurance costs.
Yes, standard homeowners insurance does not cover flooding from storms, heavy rain, or storm surge. Flood insurance is a separate policy, and it became more important in Plantation after Broward County's flood maps were updated in July 2024, adding nearly 100,000 properties to special flood hazard areas. If you have a mortgage and your property is in a FEMA A or V flood zone, your lender will require flood insurance.
Florida residents who bundle home and auto insurance save an average of 15-25% on their combined premiums, with some homeowners saving over $1,300 annually. Different insurers offer varying bundle discounts—Allstate offers up to 25%, while State Farm and Progressive typically provide 19-23% discounts. Travelers offers one of the most affordable bundled options in Florida with annual premiums averaging around $3,064.
Yes, homes built after 2001 typically qualify for lower insurance premiums because they were constructed under Florida's updated building codes that require more hurricane-resistant features. These newer homes have stronger roof-to-wall connections, improved wind resistance, and other structural features that reduce the risk of hurricane damage, which translates directly into lower insurance costs compared to older properties in Plantation's established neighborhoods.
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