Updated: November 26, 2024
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In Pembroke Pines, FL, State Farm is both the overall best and cheapest choice for home insurance. For great customer service, Chubb stands out.
These companies cater to different needs, so choosing the best cheap home insurance depends on factors like cost, customer satisfaction and coverage, all based on your individual preferences.
Best HomeInsurancePembroke PinesTable of Contents
Why Trust MoneyGeek? We used data from Florida's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Pembroke Pines, ensuring our picks are data-driven and meet industry standards.
In Pembroke Pines, the rates for home insurance echo the most competitive estimates as of September 2024.
MoneyGeek found that State Farm is the best option for home insurance in Pembroke Pines, FL, with a MoneyGeek score of 93 out of 100 for $100K dwelling coverage.
The scores for home insurance companies in Pembroke Pines range from 38 to 93. These figures reflect MoneyGeek's scoring system, which may vary based on factors like your credit history and the age of your home.
| State Farm | 93 | $671 |
| Nationwide | 90 | $1,279 |
| Allstate | 77 | $2,967 |
| Chubb | 71 | $7,347 |
| Florida Peninsula Insurance | 66 | $5,642 |
| ASI | 61 | $4,451 |
| Heritage Insurance | 57 | $5,135 |
| Universal Property | 38 | $9,580 |
MoneyGeek found that State Farm is the best home insurance in Pembroke Pines, FL, for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
State Farm stands out because it offers affordability and high customer satisfaction, greatly contributing to its MoneyGeek score.
Various companies offer different cost and service experiences in Pembroke Pines. While cost is a key factor, customer service and coverage options are also crucial when making claims.
State Farm scores high with MoneyGeek due to its affordability and customer satisfaction. It offers comprehensive home insurance with building ordinance or law and scheduled personal property coverages. Building ordinance or law coverage helps if you need to rebuild to meet new codes, while scheduled personal property coverage covers valuable items like cameras.
You can save with discounts like bundling and protective devices. Bundling lets you combine policies for savings, while protective device rewards you for having alarms.
MoneyGeek found that Chubb offers the best customer service in home insurance in Pembroke Pines, FL, for $100K dwelling coverage. If you're looking for top providers, here are the two best options:
Chubb stands out due to its high customer satisfaction ratings and comprehensive coverage options. Choosing Chubb means you get exceptional attention and support. Excellent service in home insurance includes prompt claim processing, easy communication and extensive coverage options.
Chubb is known for its high customer satisfaction and coverage scores, making it a top choice for homeowners. It offers comprehensive home insurance with coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit, and building ordinance or law, which covers upgrades to meet current codes. Cash settlement is also available if you choose not to rebuild after a total loss.
Chubb also provides discounts, such as new home and home renovation. To qualify, your home should be seven or 10 years old or less or have been renovated in the last six years.
MoneyGeek found that State Farm is the best cheap home insurance option in Pembroke Pines, FL. The top two best cheapest homeowner insurance companies for $100K dwelling coverage are:
State Farm received high affordability and customer satisfaction scores, making it a solid choice for many homeowners. The cheapest premiums don’t always equate to the best service and could mean lower coverage. It can save money but may not provide adequate protection in some situations. In cases where saving on premiums is key, consider the cheapest companies or learn the average cost of homeowners insurance in Florida. Best cheap insurance prioritizes a balance between price and coverage, while the cheapest focuses primarily on low cost.
State Farm is the best cheap company with a high MoneyGeek score due to its affordability. It offers comprehensive home insurance with building ordinance or law and mold coverages. Building ordinance or law helps if you need to rebuild to meet new codes. Mold coverage protects against mold damage. Another is back-up of sewer or drain coverage to help fix water damage from backed-up drains.
You can save with discounts like roof replacement cost, which helps if your roof is damaged, and wind mitigation for homes meeting certain standards.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 10, 2024
Homeowners insurance in Pembroke Pines depends on several factors, with location being one of them. Comparing rates is the best way to save, though it can take over an hour since each company might need 15 minutes to review. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other factors for a rate estimate.
MoneyGeek found that State Farm is the best option for affordable home insurance in Pembroke Pines, FL. An important element affecting home insurance premiums is the dwelling coverage you choose.
State Farm has the best rates and scores across the board. Choosing the cheapest homeowners insurance in Florida can significantly help you manage your finances better.
| State Farm | $671 |
| Nationwide | $1,279 |
| Allstate | $2,967 |
| ASI | $4,451 |
| Heritage Insurance | $5,135 |
| Florida Peninsula Insurance | $5,642 |
| Chubb | $7,347 |
| Universal Property | $9,580 |
State Farm is the most affordable choice for high-value home insurance in Pembroke Pines, FL. High dwelling coverage is crucial for homes that are costlier to replace, as home insurance costs often increase with property value.
State Farm stands out in Pembroke Pines for its affordability, providing significant savings on premiums. While it has the lowest premium, it also has a high MoneyGeek score, highlighting both cost-effectiveness and overall quality in coverage offerings.
| State Farm | $2,809 |
| Nationwide | $8,534 |
| ASI | $26,968 |
| Allstate | $28,619 |
| Heritage Insurance | $41,361 |
| Florida Peninsula Insurance | $46,029 |
| Universal Property | $50,231 |
| Chubb | $54,206 |
In Pembroke Pines, FL, State Farm offers the cheapest home insurance for new homes with $100K dwelling coverage.
State Farm is the most affordable choice in Pembroke Pines due to its low premium costs, making it an excellent option for budget-conscious homeowners. However, it may not rank highest on other factors considered important by policyholders. Being adequately covered is also essential when choosing your home insurance policy.
| State Farm | $395 |
| Nationwide | $636 |
| Allstate | $1,186 |
| ASI | $1,566 |
| Heritage Insurance | $2,693 |
| Florida Peninsula Insurance | $3,454 |
| Chubb | $4,855 |
| Universal Property | $5,193 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. In Pembroke Pines, the best cheap homeowners insurance depends on your needs. Consider factors beyond premiums, such as coverage limits and customer service. Follow these steps to get the best cheap home insurance:
Determine how much home insurance coverage you need in Pembroke Pines by assessing rebuilding costs, personal property value and liability needs.
Investigate insurance companies in Pembroke Pines. Focus on those with strong financial health and positive customer feedback.
After understanding your coverage needs, compare home insurance quotes. In Pembroke Pines, $100K dwelling coverage premiums range from $671 to $9,580 annually.
Inquire with each insurer about available discounts, such as bundling policies, installing safety features or maintaining a claims-free record.
Opt for a higher home insurance deductible to lower your premium, ensuring it's affordable if a claim is needed.
Enhance security by installing systems and sturdy locks to lower your home's risk profile and potentially reduce insurance costs.
Keep a strong credit score, as it influences insurance rates in Pembroke Pines. Pay bills promptly and minimize debt.
Consider combining your homeowners insurance with other policies like auto insurance for potential discounts and savings.
The best cheap home insurance provider in Pembroke Pines depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Pembroke Pines, FL.
The average home insurance cost in Pembroke Pines is $3,530.
The cheapest home insurance in Pembroke Pines is from State Farm, at an annual premium of $671.
The best home insurance in Florida for Pembroke Pines residents is from State Farm, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
