Broward County Homeowners Insurance

Broward County homeowners insurance: 47 home insurers on this site are taking new policies here. We checked on Oct 20, 2026.

Citizens had 42,484 home policies in Broward County on Aug 31, 2026.

This page is for Fort Lauderdale, Pembroke Pines and Hollywood too. It is for Miramar, Coral Springs and Pompano Beach too. It is for Davie and Plantation too.

Who is taking new policies in Broward County

47 home insurers on this site are taking new policies in Broward County. The biggest in Florida come first. Tap a company for its rules and claims number.

Taking some new policies

These companies have limits on new policies. Open one to see what they are.

USAA

Sells only to military members, veterans and their families. All eligible members in Florida can get auto. New home policies have been limited since 2007. Only members who move there on military orders can get one.

As of Oct 19, 2026. Source: https://floir.gov/newsroom/archives/item-details/2026/01/28/commissioner-mike-yaworsky-approves-more-auto-rate-cuts-for-consumers-in-2026--including-military-service-members. See the USAA page

SafePoint

Started taking new policies again Oct 12 at 8 a.m. Its hold for Hurricane Isaías has ended. You may need to sign a form that says your home has no storm damage. When a Florida policy renews, most move to its sister company, Manatee Insurance Exchange.

As of Oct 19, 2026. Source: Company notice, Oct 12, 2026. See the SafePoint page

Allstate

Sells car insurance across Florida. Its home companies are Castle Key Insurance and Castle Key Indemnity. They dropped about 33,000 condo policies from 2023. They have not renewed some older homes since 2024.

As of Oct 19, 2026. Source: https://www.allstate.com/auto-insurance/florida-car-insurance-coverages. See the Allstate page

Progressive Home (ASI)

Progressive Home still sells new Florida home, condo and renters policies through appointed agents. Since its September 2023 announcement, it only covers owner occupied homes. It stopped new Florida DP3 (landlord and second home) policies in July 2022. It ended some agent appointments in 2023. It non renewed about 56,000 Florida policies in 2022. It non renewed about 100,000 more starting May 2024, on a rolling 12 month basis. Those were 47,000 DP3 and 53,000 higher risk homes. Loggerhead made replacement offers. Progressive said it has no plans to leave Florida. The Florida home page on progressive.com (updated June 20, 2024) still offers quotes and agent referrals. No 2026 Florida new business notice was found.

As of Oct 19, 2026. Source: https://www.carriermanagement.com/news/2023/10/03/253841.htm. See the Progressive Home (ASI) page

American Modern

New policies and coverage changes are on hold in parts of Florida. This is where Hurricane Isaías is a threat. The company did not list the counties. Current policies are not affected.

As of Oct 19, 2026. Source: Our status check, Oct 10, 2026. See the American Modern page

Homesite

Homesite does not sell new Florida home policies online. On Oct 16, 2026 its quote page sent Florida home shoppers to a phone line instead. It had 97,692 Florida home policies on July 31, 2026.

As of Oct 19, 2026. Source: https://go.homesite.com/quote. See the Homesite page

Hippo (Spinnaker)

As of October 10, 2026, Hippo's own homeowners program in Florida is offered through its new construction builder channel. That channel came to Florida in October 2024. Hippo paused new retail homeowners business nationwide in mid 2023. On August 27, 2026 it said it would selectively expand the program from 8 to 22 states in the fourth quarter. Florida was not among the 14 new states. The current 8 were not named. Other Florida shoppers on hippo.com are matched with partner carriers through Hippo Insurance Services, its agency.

As of Oct 19, 2026. Source: https://www.placera.se/pressmeddelanden/hippo-holdings-hippo-to-expand-homeowners-insurance-footprint-in-next-phase-of-profitable-growth-20260827. See the Hippo (Spinnaker) page

Florida Farm Bureau

Farm Bureau members buy policies through county Farm Bureau agents. On October 10, 2026, the home insurance page said coverage is not offered in all parts of the state. It cited exposure restrictions. Online quotes are for auto only. In February 2022, the company stopped issuing new homeowners policies. It began non renewing about 7,500 residential property policies. No public page read says when or if new home business reopened.

As of Oct 19, 2026. Source: https://floridafarmbureau.com/insurance/home/. See the Florida Farm Bureau page

Mangrove

Sells home and landlord policies in all 67 counties. It sells through appointed independent agents. Its site showed no stop or storm notice on Oct 10, 2026.

As of Oct 19, 2026. Source: https://mangrove-fl.com/agents/. See the Mangrove page

Chubb

Sells high value home, condo, auto and flood policies through independent agents, not online. Coastal homes are reviewed one at a time. No Florida stop notice was on its site on Oct 9, 2026.

As of Oct 19, 2026. Source: https://www.chubb.com/us-en/individuals-families/special-notice-florida-residents.html. See the Chubb page

Markel

Sells Florida renters coverage for apartment buildings. It sells only through partner programs, not direct. It sells no home policies.

As of Oct 19, 2026. Source: https://www.markel.com/us/personal-insurance/specialty-property/renters. See the Markel page

Nationwide

Nationwide's site says it offers no online quotes in Florida. It sends auto shoppers to National General. It sends home shoppers to a local Nationwide agent.

As of Oct 19, 2026. Source: https://www.nationwide.com/personal/bulletin/online-quotes-not-available-florida. See the Nationwide page

The Hartford

Its Florida car insurance page offers AARP auto quotes. The same page says it does not take new home policies in Florida.

As of Oct 19, 2026. Source: https://www.thehartford.com/aarp/car-insurance/florida. See the The Hartford page

AIG

Sells high value home, auto and excess liability policies through brokers, by way of Private Client Select in St. Petersburg. No stop notice on Oct 20, 2026.

As of Oct 20, 2026. Source: https://www.privateclientselect.com/. See the AIG page

Cincinnati Insurance

Sells home policies in Florida only through local independent agents, not online. It had 1,894 Florida home policies on July 31, 2026, per OIR.

As of Oct 20, 2026. Source: https://www.cinfin.com/cincinnati-personal-insurance. See the Cincinnati Insurance page

Progressive

Car insurance is open statewide. Its home arm, Progressive Home (ASI), still offers Florida home quotes online and through agents. Limits apply; see the Progressive Home page.

As of Oct 20, 2026. Source: https://www.progressive.com/answers/florida-home-insurance/. See the Progressive page

Sypher

A new Tampa company that sells HO3 home policies through licensed agents. Its quote page sent shoppers to an agent on Oct 20, 2026.

As of Oct 20, 2026. Source: https://www.getsypher.com/get-a-quote. See the Sypher page

We checked each status on Oct 20, 2026, from each company's own notices and site. Storm holds are by county, from each company's notice. Tap a company for its source and date.

Citizens in Broward County

Citizens had 42,484 home policies in Broward County on Aug 31, 2026. That is 32,687 full home policies and 9,797 wind only policies. It is 16.2% of Citizens' 262,006 home policies in Florida. Source: Citizens Property Insurance Corporation, Detail By County, Aug 31, 2026 (excludes takeouts)

The average Citizens policy in Broward County cost $1,479 a year on August 31, 2026. That counts Citizens only. Compare every county: average cost of home insurance in Florida. Source: Citizens Property Insurance, county report, August 31, 2026

Got a letter from Citizens about a new company? Read what a Citizens depopulation letter means.

How fast Citizens is shrinking statewide: the Florida home insurance market, on one page.

Sample yearly rates in Broward County

These are the state’s sample yearly rates for one example home. It is a $300,000 masonry home built in 2005, with a 2% hurricane deductible and no claims in three years.

A sample rate is not a quote. Your premium depends on your home. A rate here does not mean a company is taking new policies.

19 companies have a sample rate in Broward County. The median sample rate is $8,025 a year. They run from $3,228 to $16,645.

  1. Allstate $3,228
  2. Florida Farm Bureau $4,425
  3. USAA United Services Automobile Association $5,073
  4. Homeowners Choice $5,645
  5. State Farm $5,807
  6. Universal Property $5,830
  7. USAA USAA Casualty Insurance Company $6,599
  8. Heritage $7,506
  9. TypTap $7,710
  10. Southern Oak Insurance $8,025
  11. Cypress Insurance $8,245
  12. Monarch National $8,884
  13. Progressive Home (ASI) American Strategic Insurance Corp. $9,437
  14. SafePoint $9,562
  15. Progressive Home (ASI) ASI Preferred Insurance Corp. $11,312
  16. People's Trust $11,376
  17. Security First $11,676
  18. AAA (Auto Club) $12,798
  19. Slide $16,645

Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.

Towns in Broward County

Fort Lauderdale homeowners insurance

Fort Lauderdale is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Pembroke Pines homeowners insurance

Pembroke Pines is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Hollywood homeowners insurance

Hollywood is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Miramar homeowners insurance

Miramar is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Coral Springs homeowners insurance

Coral Springs is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Pompano Beach homeowners insurance

Pompano Beach is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Davie homeowners insurance

Davie is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Plantation homeowners insurance

Plantation is in Broward County. Check the 47 home insurers on this page that are taking new policies here.

Flood and wind mitigation in Broward County

Flood zone

Look up your flood zone by address. Use the FEMA Flood Map Service Center. Source: FEMA Flood Map Service Center, read Oct 20, 2026.

Wind mitigation

My Safe Florida Home is the state program for this. It offers free wind mitigation inspections. It also gives grants of up to $10,000 for approved upgrades. Check its site to see if it is open. Source: My Safe Florida Home, read Oct 20, 2026.

Questions people ask about Broward County homeowners insurance

Who is taking new home policies in Broward County?As of Oct 20, 2026, 47 home insurers on this site are taking new policies in Broward County.

The biggest are State Farm, Universal Property and Slide. The full list is at the top of this page.

Source: Each company's status, checked Oct 20, 2026. Tap a company for its source.

How many Citizens policies are in Broward County?Citizens had 42,484 home policies in Broward County on Aug 31, 2026.

That is 32,687 full home policies and 9,797 wind only policies.

Source: Citizens Property Insurance Corporation, Detail By County, Aug 31, 2026 (excludes takeouts)

How do I find my flood zone in Broward County?Look up your address on the FEMA Flood Map Service Center.

It shows the flood map by address.

Source: FEMA Flood Map Service Center, read Oct 20, 2026

Is there help with wind mitigation in Broward County?My Safe Florida Home is the state program for this.

It offers free wind mitigation inspections. It also gives grants of up to $10,000 for approved upgrades. Check its site to see if it is open.

Source: My Safe Florida Home, read Oct 20, 2026

Shopping a Broward County home?

A licensed, independent Florida insurance agent can check each company that is taking new policies here. One call does it all. It is free.

Homeowners insurance by county or Florida home insurance companies