Insurance in Weston, FL: Home, Auto, Flood and Business Coverage
Atesa Risk Advisors is an independent Florida insurance agency serving Weston by phone, email and e-signature from its Jacksonville office, shopping home, auto, umbrella, flood and HOA-related coverage across 40+ carriers. Citizens' approved 2026 HO-3 rates fall 14.1% in Broward County on July 1, among the largest cuts in Florida, Weston's CRS Class 6 earns a 20% discount on federal flood policies, and Broward's 38,338 crashes in 2024 make real liability limits and an umbrella part of every Weston quote.
Home, business, and flood insurance for Weston's master-planned communities. Specialized coverage in Broward County. Free quote — no obligation.
Weston in 2026: the facts a quote is built on
Statewide rules set the form; Broward County's numbers set the price. Every figure below comes from a primary source we checked on September 5, 2026.
Weston and Broward County
Broward County has 866,019 housing units, 63.6% of the occupied ones owner-occupied, a median owner-occupied value of $414,600 and a median year built of 1980 (2020-2024 ACS), which is why roof age, wind mitigation and replacement cost drive the quote here.
- Citizens' approved 2026 HO-3 rates fall 14.1% in Broward County, among the largest cuts in the state, effective July 1, 2026 for new policies and at renewal for existing ones; statewide the HO-3 average falls 8.7%.
- The City of Weston holds FEMA Community Rating System Class 6, a 20% discount on every federal flood policy including Zone X homes, and federal policies typically carry a 30-day waiting period unless tied to a loan closing.
- Broward County recorded 38,338 crashes in 2024 with 237 alcohol-confirmed, its median owner-occupied home is worth $414,600, and Weston's master-planned communities carry HOA requirements that sit on top of the statute; Florida's auto floor is only $10,000 of PIP and $10,000 of property damage liability.
- Broward County recorded 38,338 crashes in 2024, 237 of them alcohol-confirmed (FLHSMV Crash Facts 2024, closeout January 22, 2026); Florida's auto floor is only $10,000 of PIP and $10,000 of property damage liability, and uninsured motorist coverage must be offered at your bodily injury limits (FS 627.727).
- An insurer may not refuse a home solely because its roof is under 15 years old, and at 15 or older an inspection showing five years of useful life keeps age from being the sole reason (FS 627.7011(5)); wind-mitigation discounts are required in every residential rate filing and posted on each insurer's website (FS 627.0629, 627.711).
- Every residential policy must offer hurricane deductibles of $500, 2%, 5% and 10% of dwelling coverage and print the dollar value on the declarations page (FS 627.701); claims must be reported within one year of the loss (FS 627.70132), and post-loss assignment of benefits is void on policies issued since January 1, 2023 (FS 627.7152(13)).
Broward County at a glance
| Measure | Figure | Source |
|---|---|---|
| Housing units / owner-occupied | 866,019 / 63.6% | ACS 2020-2024 |
| Median owner-occupied home value | $414,600 | ACS 2020-2024 |
| Median year built | 1980 | ACS 2020-2024 |
| Crashes in 2024 (alcohol-confirmed) | 38,338 (237) | FLHSMV Crash Facts 2024 |
| Flood-program (CRS) class | City of Weston: CRS Class 6, a 20% discount | FEMA Community Status Book |
Data sources
- Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County
- Citizens Property Insurance Corporation, 2026 personal lines rates approved (March 4, 2026)
- FEMA, NFIP Community Status Book (Community Rating System classes)
- FEMA, Community Rating System (discount schedule; updated April 8, 2026)
- FEMA, Flood insurance: purchase requirements and the 30-day waiting period (updated Jan. 2, 2026)
- FLHSMV, Florida Traffic Crash Facts Annual Report 2024
- U.S. Census Bureau, ACS 2020-2024 five-year estimates, Broward County (DP04, B25035)
- Florida Statutes § 627.736 (personal injury protection benefits)
- Florida Statutes § 324.022 (property damage liability financial responsibility)
- Florida Statutes § 627.7011 (replacement cost; roof-age underwriting limits)
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?
There is no single number, but there is a sourced anchor: Citizens' approved 2026 HO-3 rates fall 14.1% in Broward County effective July 1, 2026, and private carriers are competing below Citizens for newer homes. What moves a Weston quote is the home's replacement cost, construction and roof age, the wind-mitigation report, the hurricane deductible you choose and your claims history; homes built to the post-2002 Florida Building Code usually qualify for the credits Florida requires insurers to file. We compare 40+ carriers and show the spread.
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, a sports court or teenage drivers, yes. The homeowners policy's liability limit is the first layer and can disappear fast in a serious injury lawsuit; a personal umbrella adds $1 million or more above it for a premium that is small relative to the limit. Florida's auto floor is only 10/20/10 (FS 324.021), a negligence plaintiff has two years to file (FS 95.11(5)(a)), and Broward County recorded 38,338 crashes in 2024. Size the limit with our free umbrella calculator.
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.
Related Guides
- Florida homeowners insurance
- Umbrella insurance calculator
- Florida flood insurance
- HOA and condo association insurance
Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.