Homeowners insurance in Pembroke Pines

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Pembroke Pines certainly packs a lot of fun into its nearly 35 square miles. Whether you want to hit the batting cages at C.B. Smith Park, take in a show at Pembroke Pines Theater of Performing Arts, or indulge in a little retail therapy at the town’s open-air mall, you’ll have no problem keeping your calendar filled.

But for all of the good times Pembroke Pines has to offer, it still has its share of risk, and that means you need homeowners insurance. Unfortunately, Florida’s rising home insurance rates have made getting affordable coverage harder to do.

That’s where we come in. We’re Kin, and we’re in the business of re-imagining home insurance. Let’s take a look at what home insurance costs in Pembroke Pines, and how we’re working to get you the coverage you need at a premium you can afford.

How much does home insurance cost in Pembroke Pines?

The average cost of homeowners insurance in Florida is $2,165 per year, according to the most recent data from the Insurance Information Institute. This makes Florida the most expensive state in the nation for home insurance costs. In Pembroke Pines, your rates are probably somewhere above that average.

Why? There are several risk factors that push your rates up, many of which are related to natural disasters.

Factors affecting home insurance costs in Pembroke Pines

Positive cost factors

Negative cost factors

Lower flood risk than other Florida cities

Elevated hurricane/wind risk

Elevated fire risk

High property values

Above average crime rate

Probably the factor you think about the most is your hurricane risk. Your city is in Broward County, which tops the list of Florida counties most vulnerable to hurricanes. That risk alone is enough to cause high home insurance costs.

Pembroke Pines also has significant fire risk. According to Risk Factor, 18% of the city’s properties are at risk of wildfire over the next 30 years 

The one positive in this category may be the area’s flood risk. While all areas can experience flooding, Pembroke Pines’ flood risk is minor.

Home values are another factor that can impact homeowners insurance premiums. The high median home price of over $480,000 indicates that many Pembroke Pines homeowners likely pay more for their policies. What’s more, your chance of being a victim of a property crime is one in 71

You should know, however, that these aren’t the only factors insurers consider when determining your premium. Others include your home’s: 

  • Age.

  • Size.

  • Condition.

  • Construction materials.

An insurer may also look at your insurance score and prior claims history. Plus, the choices you make regarding your coverage, deductible, and policy terms can also influence your premium.

How Kin helps home insurance costs affordable

We’re dedicated to keeping homeowners insurance costs affordable, and that starts with bringing our policies directly to you. That reduces our overhead so our costs to insure homes is lower. 

Next, our technology allows us to mine tons of insurance data so we can provide you with an accurate and fair quote. That doesn’t mean we’re always the lowest, but at least you know you’re paying for your home’s risk – not your neighbors.

Homeowners in Pembroke Pines can also earn a wide range of discounts that help bring costs down. For example, you may get a discount for:

  • Installing security systems.

  • Using a water detection device. 

Most importantly, you can get a discount for wind mitigation. Florida requires home insurance companies to offer discounts for hurricane-resistant homes. Reinforcing your roof with hurricane clips and installing impact-resistant windows are just some of the ways that may reduce your insurance bill.

Even if you don’t qualify for all the discounts, you can still save on your homeowner insurance by choosing a higher deductible. We offer the following deductible options in Pembroke Pines: 

Remember that you’ll always have to pay a deductible before your home insurance begins to pay for a covered loss.

All told, Florida homeowners who switch to Kin report saving an average of over $900.*

What other coverage do I need in Pembroke Pines?

Pembroke Pines may not have the most flood risk in Florida, but as the Federal Emergency Management Agency (FEMA) likes to say, “Anywhere it can rain, it can flood.” Moreover, FEMA flood maps do show some high-risk flood zones, including:

Standard homeowners insurance doesn’t cover flood damage, so you likely need flood insurance to protect your Pembroke Pines home.  Our flood coverage comes as an endorsement, not as part of your policy, making it easier and more affordable to add.

Frequently asked questions about home insurance

Want to learn more about home insurance? Find answers to common questions by clicking the links.

How to get home insurance in Pembroke Pines? 

While other insurance companies have withdrawn from Florida because of the high cost of hurricanes, we’re committed to offering affordable coverage to homeowners who need it most.

Get a quote for Pembroke Pines, FL, homeowners insurance today. 

*Based on Kin Customer Savings Survey conducted October 2022 - October 2023. Potential savings may vary.

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