GJ Garton Insurance
400 US Highway 33 E, Weston, WV 26452
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400 US Highway 33 E, Weston, WV 26452
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Weston residents.
Weston auto insurance averages $4,356/year in Broward County. Learn about Florida's no-fault system, PIP changes coming 2026, and coverage tips for I-75/I-595 commuters.
While not legally required if you're in FEMA Zone X and don't have a federally backed mortgage, flood insurance is highly recommended. About 100% of Weston buildings face some flood risk, and nearly 25% of flood claims come from moderate or low-risk zones. At an average of $371 annually in Weston, flood insurance is inexpensive protection for a $600,000+ asset. Plus, starting in 2026-2027, Citizens Property Insurance will require it for wind coverage.
Florida enacted major tort and insurance reforms to reduce frivolous litigation, which had been driving insurers out of the state. These reforms are working—17 new insurers have entered the market, Citizens Property Insurance has reduced its policy count by 50%, and competition is increasing. Citizens is cutting rates by an average of 8.7% statewide, with Broward County seeing 14.1% decreases. Many private insurers are also filing for rate reductions.
Florida homeowners insurance averages about $8,770 annually statewide in 2025, and Weston follows similar trends. Your actual premium depends on your home's age, construction type, coverage limits, deductibles, and safety features like impact windows or hurricane shutters. Homes with wind mitigation features and newer roofs typically qualify for significant discounts. Flood insurance in Weston averages just $371 annually, much lower than coastal areas.
Wind coverage (part of your standard homeowners policy) pays for damage from hurricane winds—roof damage, broken windows, fallen trees. Flood coverage (separate policy through NFIP or private insurers) pays for water damage from flooding, storm surge, or heavy rain. Your standard policy specifically excludes flood damage, which is why you need separate flood insurance even though Weston is inland and at moderate flood risk.
Yes, especially with median home values around $644,100 and many properties featuring high-end finishes. Your dwelling coverage should equal the full replacement cost to rebuild your home from scratch, not the market value. Construction costs have increased significantly, and many Weston homes have custom features that are expensive to replicate. Work with your agent to get an accurate replacement cost estimate—underinsuring by even $50,000-100,000 can be financially devastating after a major loss.
Citizens is Florida's state-backed insurer of last resort, designed to provide coverage when private insurers won't. With the market stabilizing and Citizens actively moving policies to private carriers, you should shop around—private insurers often offer better coverage and customer service at competitive rates. However, Citizens is reducing rates by 14.1% in Broward County for 2026, so it remains a viable option if private coverage is too expensive or unavailable for your specific situation.
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