Davie, FL is a town in Broward County; and with more than 90,000 residents, it is the third most populated municipality to be considered a “town” in the United States. Davie is known for its Wild West architecture, its Western feel and its large number of higher-education campuses. If you are a homeowner in this large and vibrant town, you will want to be sure to protect your investment with a suitable Davie home insurance policy.
Independent insurance agents in the Trusted Choice® network are available to help you find the best policy at an affordable rate. These agents work with a number of reputable insurance providers and can gather a selection of Davie homeowners insurance quotes for policies that have been customized to meet your specific coverage needs. Find an agent near you to learn more.
Florida residents pay higher-than-average rates for their home insurance coverage, largely because of the increased risk of damage caused by hurricanes, tropical storms and tornadoes. You can refer to the figures above to get an idea of what your rates might be, but your actual homeowners insurance quotes will be based on a number of different factors including but not limited to the following:
Trusted Choice agents can help you obtain and compare Davie homeowners insurance quotes from a variety of reputable insurance companies. That way, you can be sure that you are paying a competitive price for your coverage.
Some people own more than one home. If you are a “snowbird,” who prefers to spend winters in Florida and summers in northern states, or if you own a second home or a vacation home anywhere, you will need to be sure that all your property is insured. These other homes will have different coverage considerations. While you may need less in the way of contents coverage, there are other risks involved with leaving a property unattended for long periods of time. Also, if you lease out this property when you are not using it, you may want to discuss landlord insurance with your Trusted Choice agent.
The burglary rate in Florida is lower than the national average; and crime rates in Davie are relatively low as well, though not unheard of. In 2013, residents of this town reported 651 burglaries, which equates to about 6.74 burglaries for every 1,000 households.
You can take preventive steps to protect your property such as keeping your doors and windows locked and using deadbolts. Installing motion sensor lighting or a burglar alarm system may even earn you a discount on your home insurance. Of course, some burglaries are simply not avoidable. Fortunately, if you are victim of a property crime, your Davie home insurance policy will compensate you for your losses. Your Trusted Choice agent can make coverage recommendations. You may need special endorsement to cover particularly valuable property.
Your Davie homeowners insurance policy provides you with coverage against many of the hazards you are likely to face. These typically include damage caused by property crimes, fires and weather events like hailstorms, thunderstorms and heavy winds. Some policies may require you to specifically request coverage against major hazards like tornadoes and hurricanes, so it is essential that you review each potential policy carefully with your Trusted Choice agent before making a selection.
Davie has a high risk for tornadoes. Since 1950, more than 225 tornadoes have touched down in or around this town; that is a rate of about 3.5 tornadoes a year, though most are low-force. One of the most damaging occurred in 1965 when a magnitude-3 tornado touched down 6.4 miles from the Davie town center and caused nearly $5 million in property damage.
Other hazards that residents of Davie should be particularly wary of are tropical storms, thunderstorms, heavy winds and hail. Your Trusted Choice agent can help you make certain that your Davie home insurance policy provides coverage for all of these weather-related disasters.
Be aware that many of the weather events listed above are often accompanied by flooding. However, flood damage is excluded from coverage by nearly all home insurance policies – and Davie has seen more than 170 floods since 1950. The good news is that you can supplement your Davie homeowners insurance policy with flood insurance through the National Flood Insurance Program (NFIP). A Trusted Choice agent can show you how.
When it comes to purchasing a home insurance policy for your house in Davie, you have several insurance providers from which to choose. Comparison-shopping enables you to get a great policy at an affordable rate, but many homeowners find it to be too time-consuming and exasperating to do on their own. Others are left with unanswered questions or inadvertently purchase policies that do provide all the coverage they need.
This is why it is advantageous to work with an independent insurance agent in the Trusted Choice network. These agents can recommend appropriate coverage amounts, identify and eliminate coverage gaps, and collect quotes from a variety of insurance providers to make it easy for you find a competitively priced policy that meets your coverage needs. Find a Trusted Choice agent with an office near you to learn more about Davie homeowners insurance.