Fort Lauderdale Insurance Agency
Home, Auto, Flood & Business Insurance in Broward County
Protecting waterfront properties, businesses, and families since 1994
Fort Lauderdale Insurance: Navigating a Tough Market
Fort Lauderdale faces some of the highest insurance rates in Florida. Here's why coverage is expensive — and how we help you find it.
Hurricane & Storm Surge Risk
Fort Lauderdale sits on the Atlantic coast with LOW elevation. Hurricane storm surge can push 10-15 feet of water inland. Hurricane deductibles of 5-10% mean a $500,000 home can cost you $25,000-$50,000 out-of-pocket before insurance pays.
Flood Zones & Canal Properties
Fort Lauderdale's canal system (the "Venice of America") creates unique flood exposure. Many waterfront properties are in FEMA Zone V (highest risk). Flood insurance is mandatory for mortgages — and expensive ($3,000-$8,000/year).
Insurance Market Crisis
Broward County has been hit HARD by carrier exits. Major insurers (Farmers, AAA, State Farm new business) have left or restricted coverage. Many Fort Lauderdale homeowners are forced into Citizens Property Insurance or surplus lines carriers.
Condo Insurance Complexity
Fort Lauderdale's beachfront condo market is HUGE. HO-6 condo insurance requires understanding your building's master policy, special assessments, and loss assessment coverage. Post-Surfside, condo insurance has become more expensive and harder to get.
High Auto Insurance Rates
Broward County has the 2nd highest auto insurance rates in Florida (behind Miami-Dade). Dense traffic, uninsured drivers, and fraud schemes drive premiums up. Average auto insurance: $3,000-$4,500/year.
Sea Level Rise Threat
Fort Lauderdale faces SERIOUS sea level rise risk over the next 20-30 years. King tides already cause flooding in downtown and Las Olas areas. Property values and insurability will be impacted. Future flood zones will expand dramatically.
Why Fort Lauderdale Residents Choose Greene & Associates
Broward County Expertise
We understand Fort Lauderdale's unique insurance challenges — canal-front properties, hurricane exposure, flood risks, and the coastal insurance crisis.
Independent Agency Advantage
Fort Lauderdale's insurance market is brutal. As an independent agency, we represent 20+ carriers to find you coverage when others refuse.
Fast Service & Competitive Rates
Quick quotes, same-day certificates, and competitive rates from multiple carriers. We make insurance simple in a complicated market.
Personal Insurance for Fort Lauderdale Homeowners
Protecting your home, car, and family in Broward County requires the right coverage and the right agent.
Homeowners Insurance
Fort Lauderdale homeowners face brutal insurance costs — $6,000-$12,000/year is common for coastal properties. We work with 20+ carriers to find coverage when others can't. Expect 2-5% hurricane deductibles, wind/hail exclusions on older roofs, and potential Citizens Property Insurance placement if the private market refuses you.
Waterfront properties: Canal-front and Intracoastal homes face even higher premiums due to flood exposure. Many carriers won't write these properties at all. We specialize in hard-to-place coastal risks.
Roof requirements: Roofs over 15 years old are difficult to insure. Many carriers require replacement or inspections. Metal and tile roofs get better rates than shingles.
Flood Insurance
Fort Lauderdale flood insurance is ESSENTIAL. You're on the coast, you have canals everywhere, and sea level rise is accelerating. FEMA flood zones A and V require flood insurance if you have a mortgage — but even low-risk zones flood during hurricanes.
NFIP vs private flood: National Flood Insurance Program (NFIP) caps at $250,000 dwelling coverage. If your home is worth more, you need private flood insurance (we can quote both). Private flood is often cheaper and offers better coverage.
Cost: Flood insurance in Fort Lauderdale ranges from $1,500-$8,000/year depending on your zone and elevation. Zone V (coastal velocity zones near the beach) are the most expensive.
Auto Insurance
Broward County has the 2nd highest auto insurance rates in Florida. Dense traffic on I-95, Federal Highway, and A1A creates accident risks. Uninsured driver rates are HIGH — 20%+ of Broward drivers have no insurance.
Average cost: $3,000-$4,500/year for full coverage. Young drivers and those with accidents pay even more. We shop 20+ carriers to find you the best rate.
Uninsured motorist coverage: In Broward, this is CRITICAL. If an uninsured driver hits you, your UM coverage pays for your injuries and damages. Don't skip this — it's cheap and saves you if the worst happens.
Umbrella Insurance
Fort Lauderdale's high property values and litigious environment mean you need more liability protection than your homeowners and auto policies provide. Umbrella insurance adds $1-5 million in liability coverage for $200-$500/year.
Who needs it: Anyone with a waterfront home, rental properties, a pool, or significant assets. One slip-and-fall lawsuit can wipe you out. Umbrella insurance is cheap peace of mind.
Business Insurance for Fort Lauderdale Companies
From restaurants on Las Olas to contractors working Fort Lauderdale's booming construction market, we protect local businesses.
General Liability
Protects your Fort Lauderdale business from customer injuries, property damage claims, and lawsuits. Required by most commercial leases and client contracts. Starting at $500-$1,500/year depending on your industry.
Workers Compensation
Required in Florida if you have employees. Fort Lauderdale contractors, restaurants, and retailers must carry workers comp. Cost depends on payroll and classification codes. We find competitive rates from dividend-paying carriers.
Commercial Property
Protects your building, equipment, inventory, and business property from fire, wind, theft, and other perils. Fort Lauderdale businesses face hurricane and flood risks — make sure your policy covers both (or get separate flood coverage).
Business Owners Policy (BOP)
Combines general liability, commercial property, and business interruption coverage into one affordable package. Ideal for Fort Lauderdale retail shops, offices, restaurants, and service businesses.
Commercial Auto
Fort Lauderdale businesses with company vehicles, delivery vans, or contractor trucks need commercial auto insurance. Covers vehicle damage, driver injuries, and liability for accidents involving your business vehicles.
Cyber Liability
Fort Lauderdale businesses that collect customer payment info, store sensitive data, or operate online need cyber insurance. Covers data breaches, ransomware attacks, and regulatory fines. Starting at $500-$2,000/year.
Insurance by Industry in Fort Lauderdale
We specialize in insurance for Fort Lauderdale's key industries — from Las Olas restaurants to Broward contractors.
Fort Lauderdale Neighborhoods We Serve
Greene & Associates Insurance serves homeowners and businesses across all Fort Lauderdale neighborhoods.
Las Olas
Boulevard, Isles, waterfront
Victoria Park
Historic neighborhood, close to beach
Rio Vista
Intracoastal luxury homes
Colee Hammock
Canal-front, close to downtown
Harbor Beach
Oceanfront gated community
Coral Ridge
Family neighborhood, canal homes
Wilton Manors
Vibrant urban neighborhood
Lauderdale Beach
Oceanfront condos & hotels
Carriers We Represent in Fort Lauderdale
Access to 20+ insurance carriers means we can find you coverage even in Fort Lauderdale's tough market.
Trusted Carriers We Represent
Fort Lauderdale Insurance FAQ
Why is homeowners insurance so expensive in Fort Lauderdale?
Hurricane risk, flood exposure, sea level rise, insurance company exits, high construction costs, and fraud all drive Fort Lauderdale insurance rates higher than almost anywhere in the US. Coastal properties pay the most ($6,000-$15,000/year is common). Older homes with old roofs pay even more.
Do I need flood insurance in Fort Lauderdale?
YES. Fort Lauderdale has extensive canal systems, low elevation, and faces serious hurricane storm surge and sea level rise risks. If you have a mortgage and live in a high-risk flood zone (FEMA A or V), flood insurance is required. But even if you're not in a high-risk zone, you should strongly consider it. 25% of flood claims come from low-risk zones.
What if I can't find homeowners insurance in Fort Lauderdale?
Many Fort Lauderdale homeowners are being non-renewed by private carriers. Your options: (1) Work with us to shop 20+ carriers, (2) Apply to Citizens Property Insurance (Florida's insurer of last resort), or (3) Consider surplus lines carriers (non-admitted insurers for high-risk properties). We can help you navigate all three options.
Get a Fort Lauderdale Insurance Quote Today
Fort Lauderdale's insurance market is tough, but we're tougher. Let us shop 20+ carriers to find you the coverage you need at a price you can afford.
Serving Fort Lauderdale, Wilton Manors, Lauderdale-by-the-Sea, Oakland Park, and all of Broward County