Weston isn't your typical Florida suburb. This master-planned community in western Broward County is home to nearly 71,000 residents, top-rated schools, and some of the highest property values in South Florida. With a median home value pushing $733,000 and proximity to the Everglades, insurance here requires a different conversation than it does elsewhere in the state. If you're a Weston homeowner—or thinking about becoming one—here's what you need to know about protecting your investment in 2025 and beyond.
The Good News: Insurance Rates Are Finally Dropping
After years of skyrocketing premiums, Florida homeowners are catching a break. In January 2026, Governor DeSantis announced significant rate reductions across the state, and Weston homeowners are seeing real savings. If you're insured through Citizens Property Insurance Corporation—Florida's state-backed insurer of last resort—you're looking at an average 12.6% rate decrease in Broward County. That translates to about $421 back in your pocket annually for the average policyholder.
Why the sudden improvement? Florida overhauled its insurance laws in 2025, tackling the lawsuit abuse that had been driving insurers out of the state. By removing one-way attorney fees and restricting assignment-of-benefits arrangements, the state made it less profitable to file frivolous claims. The result: 42 auto insurers have filed for rate decreases, and homeowners insurance is stabilizing after years of chaos. About 27,000 homes in Broward County will see an average reduction of 14.1% in 2026.
What You'll Actually Pay for Home Insurance in Weston
Your premium depends heavily on your home's size and construction. In Weston, homes larger than 2,500 square feet average $5,891 per year in insurance premiums, while smaller homes average $3,832 annually. Those numbers might seem high compared to other states, but they're actually competitive for South Florida, especially given Weston's proximity to hurricane-prone coastal areas and the Everglades.
Here's something most Weston homeowners don't realize until they're shopping for insurance: your standard homeowners policy doesn't cover flood damage. Not a penny. And in a community that borders the Everglades, that's a problem. Flood insurance is a separate policy, and it's not optional—at least, it shouldn't be. If your home is valued at $400,000 or more and you're insured through Citizens, you'll be required to carry flood insurance starting January 1, 2026. By 2027, all Citizens policyholders will need it regardless of home value.
Flood insurance through the National Flood Insurance Program (NFIP) averages $865 to $878 per year in Florida, but your actual cost depends on your flood zone. If you're in a moderate-risk zone (Zone X), expect $500 to $700 annually. High-risk zones (A or AE) run $1,000 to $2,000. Coastal VE zones can exceed $2,000. Given Weston's location, most homes fall into moderate or high-risk categories, making flood insurance a necessary addition to your insurance budget.
Auto Insurance: What Weston Drivers Need to Know
Florida's auto insurance landscape changed dramatically in 2025. The state now requires different minimum coverage than it did just a year ago, and rates are actually trending downward for the first time in years. If you live in Weston—where the median household income is $140,501 and luxury vehicles are common—you'll want more than the state minimum anyway.
Here's what you should consider: liability coverage protects you if you cause an accident, but the state minimums won't come close to covering a serious collision. Add comprehensive and collision coverage to protect your own vehicle, especially if it's financed or leased. Medical payments coverage is crucial in a state where healthcare costs are high. And don't skip uninsured motorist coverage—not everyone on the road has adequate insurance, and you need protection when they don't.
The good news? With 42 auto insurers filing for rate decreases following the 2025 reforms, your premiums may actually go down when you renew your policy. Shop around with local agents who understand Weston's unique demographics and can find you the best combination of coverage and price.
Why Local Agents Matter in Weston
Weston has six local insurance agencies that specialize in this market. That's not an accident. A community with a $733,000 median home value, proximity to the Everglades, and an affluent population needs agents who understand the specific risks and coverage requirements here. You can buy insurance online from a national carrier, but when you need to file a claim after a hurricane or flooding event, you'll wish you had a local agent who knows how to navigate Florida's complex insurance environment.
Local agents can also help you bundle policies to save money. Combining your home, auto, and flood insurance with the same carrier often results in significant discounts. They can review your coverage annually to make sure you're not overpaying or, worse, underinsured. And they can explain the new flood insurance requirements in plain English, helping you understand exactly what you need and why.
What to Do Right Now
If you're already insured in Weston, pull out your policy and check three things: Are you adequately covered for your home's current value? Do you have flood insurance? When does your policy renew, and will you see the 2026 rate reductions? If you're with Citizens and your home is valued at $400,000 or more, you'll need to add flood insurance by January 1, 2026, or risk losing your wind coverage.
If you're new to Weston or shopping for insurance, start by talking to local agents. Get quotes for both homeowners and flood insurance together—you'll need both, and buying them at the same time often results in better rates. Ask about discounts for security systems, impact-resistant windows, and newer roofs. In Florida, these upgrades can significantly reduce your premiums. And don't forget to shop your auto insurance at the same time. Bundling all three policies with one carrier can save you hundreds, sometimes thousands, annually.
The insurance market in Florida has been turbulent, but 2026 is bringing real improvements. Rate decreases are happening. New companies are entering the market. And the litigation reforms are starting to work. For Weston homeowners, this means more options, better prices, and a more stable insurance environment than we've seen in years. Take advantage of it by reviewing your coverage now and making sure you're protected for whatever comes next.
