In Fort Lauderdale, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If price is your main concern, State Farm has the lowest premium at around $191 per month.
Cheap Home Insurance in Fort Lauderdale
Updated: June 11, 2025
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Key Takeaways
For homeowners in Fort Lauderdale, State Farm provides the best overall value while also offering the most affordable coverage at $2,288 annually.
Home insurance in Fort Lauderdale costs an average of $1,476 per month, adding up to $17,717 per year.
To find the right home insurance in Fort Lauderdale, assess how much coverage you need, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in Fort Lauderdale
| State Farm | 93 | $191 | $2,288 |
| Nationwide | 84 | $767 | $9,210 |
| Florida Peninsula Insurance | 72 | $1,210 | $14,522 |
| Allstate | 71 | $1,193 | $14,312 |
| Chubb | 62 | $2,667 | $32,007 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Fort Lauderdale Home Insurance Cost?
Home insurance rates in Fort Lauderdale depend on factors like your home’s age, chosen coverage level and personal profile. Costs range from $283 to $5,476 monthly. Use the table below to explore rates tailored to your situation.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $283 | $3,391 |
How to Get the Best Cheap Home Insurance in Fort Lauderdale
Finding affordable home insurance in Fort Lauderdale can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance options for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Florida for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to cheaper rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend using online tools, independent agents and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Fort Lauderdale: Bottom Line
The top three best and cheapest home insurance providers in Fort Lauderdale are State Farm, Nationwide and Florida Peninsula. While these are our recommendations, you should still do your own research and compare multiple quotes to get the best deal.
Fort Lauderdale Home Insurance: FAQ
Below, we answer common questions about home insurance for residents of Fort Lauderdale.
Who offers the best home insurance in Fort Lauderdale?
We recommend State Farm as the best home insurance provider in Fort Lauderdale for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from Nationwide, Florida Peninsula, Allstate and Chubb.
Who has the cheapest home insurance in Fort Lauderdale?
State Farm offers the most cost-effective home insurance for the average homeowner in Fort Lauderdale, costing about $191 per month or $2,288 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Fort Lauderdale?
Home insurance costs in Fort Lauderdale range from $3,391 to $65,715 per year for different coverage levels and home ages.
How We Decided the Best Cheap Home Insurance Companies in Fort Lauderdale
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Fort Lauderdale. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.