Home insurance in Pembroke Pines

Protect your home with top-rated coverage that could save you over $1,000 every year.

Save an average of $817/year when you bundle home + auto

• Home Only
• Home + Auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

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.

• 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.

Protect your home from disasters big and small

The policies we offer can be customized to cover Pembroke Pines' top risks.

What does homeowners insurance cover in Pembroke Pines?

Rest easy knowing your coverage protects what matters most.

for the actual structure of your home, inside and out.

for things like your detached garage or shed.

for your personal belongings that make your house a home.

for additional living expenses when a covered loss forces you to temporarily relocate.

if you accidentally cause someone bodily injury or property damage.

if a guest is injured on your property.

We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.

Discounts available in Pembroke Pines

Kin customers pay an average of $1,879 per year for $350,000 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:

• Cape Coral
• Fort Lauderdale
• Fort Myers
• Hialeah
• Jacksonville
• Miami
• Orlando
• Pensacola
• Port St. Lucie
• Sarasota
• St. Petersburg
• Tallahassee
• Tampa

Common questions about Pembroke Pines home insurance

What’s the average cost of home insurance in Pembroke Pines?

On average, Kin customers pay $1,879 per year for $350,000 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.

What factors affect home insurance premiums in Pembroke Pines?

Your Pembroke Pines home insurance policy premium be based on several factors, such as:

• Hurricane risk due to coastal proximity
• Roof age and hurricane resistance
• Home’s age and compliance with modern codes
• Historical claims frequency in the area
• Policyholders credit-based insurance score
• Urban density and crime rates
• 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.

• Dwelling coverage. Carry enough to cover 100% of the cost to rebuild your home based on local labor and material rates.
• 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.
• 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.
• 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?

• Flood damage, including that caused by storm surges or overflowing bodies of water
• Rodents or termite infestations
• Sewer backup and sump pump failures
• 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:

• Flood insurance
• Water/sewer backup coverage
• Law and ordinance insurance
• 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.