When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Pembroke Pines?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Pembroke Pines
Kin customers pay an average of $1,807 per year for $300,000 in dwelling coverage for home insurance in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Florida covered.
We help Floridians find coverage across the entire Sunshine State!
We sell policies in every county in Florida, including in these major cities:
Common questions about Pembroke Pines home insurance
What’s the average cost of home insurance in Pembroke Pines?
On average, Kin customers pay $1,807 per year for $300,000 in dwelling coverage for home insurance in Florida. Pembroke Pines residents may see slightly higher rates. Higher rates in this city are typically locationally driven, as Pembroke Pines is at an increased risk of storm and hurricane related damages.
However, how much you’ll pay for coverage will vary based on several factors, including the composition and age of your home as well as any hardening efforts or safety features you’ve installed. A home insurance quote is the best way to see how much you’ll pay for a policy.
What factors affect home insurance premiums in Pembroke Pines?
Your Pembroke Pines home insurance policy premium be based on several factors, such as:
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Hurricane risk due to coastal proximity
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Roof age and hurricane resistance
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Home’s age and compliance with modern codes
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Historical claims frequency in the area
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Policyholders credit-based insurance score
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Urban density and crime rates
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Proximity to water bodies or canals
How much home insurance do I need in Pembroke Pines?
Though there is no one-size-fits-all coverage solution, keep the following in mind when considering your specific home insurance needs.
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Dwelling coverage. Carry enough to cover 100% of the cost to rebuild your home based on local labor and material rates.
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Other structures insurance. Typically set to at least 10% of your dwelling coverage limit, but you should have enough to rebuild other structures on your property, such as a detached garage or pool house.
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Personal property coverage. Often set at 50% or more of your dwelling limit. You should have enough coverage to replace your insurable belongings after a full loss.
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Personal liability insurance. Carry enough coverage to protect your assets, such as savings, real estate, and investments, if you’re sued after a covered, at-fault incident.
What does home insurance not cover in Pembroke Pines?
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Flood damage, including that caused by storm surges or overflowing bodies of water
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Rodents or termite infestations
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Sewer backup and sump pump failures
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Repairs or replacements to components, systems, or materials compromised by wear and tear
What additional coverages should Pembroke Pines homeowners consider?
Given risks like hurricanes, flood-prone areas, and rapid development, homeowners should consider:
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Flood insurance
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Water/sewer backup coverage
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Law and ordinance insurance
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Extended replacement cost
Is home insurance required in Pembroke Pines?
There are no state laws that require homeowners insurance in Pembroke Pines or any other Florida city. However, you’ll likely need home insurance if you finance your property. Depending on your lender and location, flood insurance may also be required in designated flood risk areas.
