Weston FL Insurance — Master-Planned Communities

Home, business, and flood insurance for Weston's master-planned communities. Specialized coverage in Broward County. Free quote — no obligation.

Frequently Asked Questions

Why do I need flood insurance in Weston FL if I am not near the ocean?

Even though Weston isn't on the coast, you're right next to the Everglades with lakes and canals everywhere. Heavy rain can overwhelm drainage fast, and during Irma in 2017, a lot of Weston homes flooded that weren't even in high-risk zones. Your homeowners policy won't cover flood damage — you need a separate flood policy.

How does FEMA Risk Rating 2.0 affect flood insurance in Weston?

Risk Rating 2.0 means FEMA now prices your flood insurance based on your specific property — elevation, distance to the nearest lake or canal, building type, and flood history. Some Weston homeowners saw rates change under the new system. Private flood carriers are worth looking at since they can sometimes offer better rates and higher limits.

What is the average cost of homeowners insurance in Weston FL?

Most Weston homeowners pay between $3,500 and $8,000 a year, though bigger estate homes can be more. Your premium depends on home size, construction, roof age, wind mitigation features, and your deductible. Homes built after 2002 often qualify for solid wind mitigation credits. Bundling home and auto and keeping a clean claims history helps too.

Does the 15-year roof rule apply to my Weston home insurance?

Carriers can't refuse to insure you just because your roof is over 15 years old, as long as it passes inspection. But many will only offer actual cash value instead of replacement cost for older roofs. Since most Weston homes went up between 1990 and 2010, a lot of roofs are hitting that threshold now. Upgrading to impact-resistant materials can really improve your options and lower your premium.

What HOA insurance is required for Weston communities like Weston Hills and Savanna?

Communities like Weston Hills, Savanna, The Ridges, and Bonaventure require the HOA to carry property insurance on common areas, general liability, D&O for board members, and fidelity bonding. Florida law also requires adequate reserves. But even with all that HOA coverage, you still need your own HO-3 policy for your home, personal property, and liability.

What is the hurricane deductible on my Weston homeowners policy?

In Florida, hurricane deductibles are a percentage of your dwelling coverage, usually 2% to 10%. On a $600,000 Weston home, a 2% deductible means $12,000 out of pocket for hurricane damage. A 5% deductible would be $30,000. Higher percentage means lower premium but more out of pocket when a storm hits. We help you find the right balance.

Do I need umbrella insurance as a Weston homeowner?

If you have a pool, sports court, or teenage drivers, umbrella insurance is a smart move. Your homeowners policy probably covers $100K to $300K in liability, which can disappear fast in a serious injury lawsuit. An umbrella policy adds $1 million or more for typically $200 to $400 a year. In South Florida's litigious environment, it's one of the best values in insurance.

Can I bundle my Weston home and auto insurance to save money?

Absolutely. Bundling home and auto with the same carrier usually saves you 5% to 15%. We compare bundled quotes from 40+ carriers to find the best deal on both coverage and price. We also look at umbrella policies that can extend your liability limits across both home and auto.

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.