Allied Insurance Services
8400 N University Dr, Ste 303, Tamarac, FL 33321
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8400 N University Dr, Ste 303, Tamarac, FL 33321
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7797 N University Dr, STE 208, Tamarac, FL 33321
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7300 W Mcnab Rd, Ste 113, Tamarac, FL 33321
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5900 N Hiatus Rd, Tamarac, FL 33321
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5900 Hiatus Rd, Tamarac, FL 33321
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8753 NW 57th St, Tamarac, FL 33351
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6412 N University Dr, #136, Tamarac, FL 33321
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4620 W Commercial Blvd, Suite 7B, Tamarac, FL 33319
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7061 W Commercial Blvd, # 5C, Tamarac, FL 33319
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Learn about insurance coverage options specific to Tamarac residents.
Tamarac home insurance averages $3,163-$6,291/year. Learn about hurricane mitigation discounts, flood zones, HOA coverage, and how to save on your policy.
Car InsuranceTamarac drivers pay $361/month for car insurance. Learn why Broward County rates are high, Florida's PIP requirements, and how to save on coverage.
General Insurance EducationComplete insurance guide for Tamarac, FL residents. Get current rates for auto, home, and flood coverage, plus tips for active adult communities and saving money.
Car InsuranceTamarac drivers pay $361/month for auto insurance. Learn about Florida's no-fault system, upcoming 2026 changes, and how to save on coverage today.
Home insurance in Tamarac varies by property size and features, but averages range from $3,163 annually for homes under 2,500 square feet to $5,246 for larger homes. Broward County's overall average is $6,291 per year, significantly higher than the national average due to hurricane exposure and flood risk. Your specific rate depends on your home's age, construction type, mitigation features, and coverage limits.
If you have a mortgage and live in a Special Flood Hazard Area near the C-14 Canal or Sawgrass Expressway, your lender will require flood insurance. However, even if you're not in a designated flood zone, purchasing flood insurance is highly recommended because tropical storms can cause flooding anywhere. Tamarac's Class 6 flood rating gives NFIP policyholders in flood zones a 20% discount, and policies outside flood zones are relatively affordable.
The HOA master policy in communities like Kings Point, Lime Bay, and Tamarac Gardens typically covers the building exterior, roof, common areas, and shared structures. However, it does not cover your personal belongings, interior improvements, or liability for incidents inside your unit. You still need an HO-6 condo insurance policy to protect your furniture, electronics, interior upgrades, and provide personal liability coverage.
The most effective way to reduce your premium is through hurricane mitigation upgrades verified by a wind mitigation inspection. Installing impact windows, hurricane straps, shutters, or a secondary water barrier can cut your wind premium by up to 40%. Also shop around annually, bundle policies for multi-policy discounts, maintain a claims-free record, and ask about security system discounts.
Standard homeowners insurance covers wind damage from hurricanes, including damage to your roof, walls, and belongings caused by wind. However, it does not cover flooding, which requires a separate flood insurance policy. If a hurricane causes both wind and flood damage, you would file claims under both policies to fully cover your losses.
A wind mitigation inspection is an evaluation by a licensed professional that documents your home's hurricane-resistant features like impact windows, roof straps, and hip roof design. The inspection costs about $100, is valid for five years, and allows you to claim significant insurance discounts mandated by Florida law. If you own a single-family home in Tamarac, getting this inspection can save you hundreds or thousands of dollars annually on your premium.
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