American Tax & Insurance Services
2312 Wilton Drive, Wilton Executive, Suites, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
Loading...
City directory
Wilton Manors households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2312 Wilton Drive, Wilton Executive, Suites, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
1881 NE 26th St, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
1776 NE 26th St, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
1881 NE 26th St, Ste 80, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
1800 NE 26th St, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
1650 NE 26th St, STE 207, Wilton Manors, FL 33305
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Wilton Manors residents.
Wilton Manors home insurance guide: hurricane coverage, flood zones, wind mitigation discounts, and 2026 rate drops. Get the protection you need.
Car InsuranceWilton Manors auto insurance guide: Florida's no-fault requirements, 2026 law changes, average costs in Broward County, and how to save on coverage.
Home insurance costs in Wilton Manors vary widely based on your home's age, construction, and wind mitigation features, but premiums are decreasing. Broward County homeowners are seeing an average rate reduction of 14.1% in 2026. Expect to pay more than the national average due to hurricane risk, but homes with impact windows, hurricane shutters, and newer roofs qualify for significant discounts. Getting quotes from multiple insurers is essential since rates can vary by thousands of dollars for the same property.
Most Wilton Manors homeowners need flood insurance because much of the city falls within FEMA-designated flood zones. If you have a mortgage and your property is in a high-risk flood zone, your lender will require it. Even if you're not required to have it, flood insurance is highly recommended given the area's exposure to heavy rainfall and tropical storms. The average flood premium is around $435, but high-risk properties can pay $3,400 or more annually.
Wind mitigation refers to features that make your home more resistant to hurricane damage, like impact-resistant windows, hurricane shutters, reinforced roof-to-wall connections, and newer roofs. To qualify for discounts, you need a wind mitigation inspection by a licensed inspector who documents your home's features. These upgrades can reduce your insurance premiums by hundreds or thousands of dollars annually while also protecting your home during storms.
Yes, significantly. Homes built before 2001 typically have much higher insurance premiums because they don't meet modern building codes designed for hurricane resistance. The median construction year in Wilton Manors is 1971, so many properties fall into this category. However, upgrading an older home with wind mitigation features like impact windows, a newer roof, and hurricane shutters can dramatically reduce your premiums and bring rates closer to newer homes.
Citizens Property Insurance should be your backup option, not your first choice. While Citizens has become more competitive and is implementing rate cuts, it's Florida's insurer of last resort. Private insurers generally offer better claims service and more coverage options. With 17 new insurers entering the Florida market in 2025, shop around with private companies first. Only turn to Citizens if you can't find affordable coverage elsewhere.
Review your coverage annually, especially given how quickly property values have risen in Wilton Manors—home prices increased 14.4% in 2025 alone. Your dwelling coverage should be high enough to rebuild your home at current construction costs, which may be significantly higher than your home's market value. Also review your coverage whenever you make major home improvements, and shop for new quotes every few years since rates and available insurers change frequently in Florida.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network