Homeowners Insurance in Davie, FL
Most of Davie sits in a mapped flood zone, but the town’s flood-control work earns you a 15% discount on NFIP flood policies. So the question isn’t whether flood coverage makes sense — it’s how much.
Davie at a glance
What drives home insurance in Davie
Three things drive a Davie homeowners quote: the roof, the flood map, and the kind of home you own. Nearly half the town’s housing went up in the 1980s and 90s, per the Census Bureau’s 2020–2024 survey, so carriers look hard at roof age and roof shape — documented wind-mitigation features often earn the biggest credits on the policy. About one home in seven is a mobile home, which quotes through its own set of carriers. And the town reports that most of Davie sits in a Special Flood Hazard Area, where its CRS Class 7 rating trims NFIP flood premiums by 15%. Working with your agent, the job is getting every feature documented and quoting the same home across 20+ carriers.
The housing stock — and what it means for your policy
Davie counts 41,755 housing units in the Census Bureau’s 2020–2024 survey, and the mix runs wider than most suburbs: about 40% single-family detached, 11% townhomes, and 14% mobile homes, with the rest in condo and apartment buildings. The median home dates to 1989, so a big share of the town predates Florida’s 2002 building-code overhaul — those 1980s and 90s houses quote best when an inspection documents the roof shape, deck nailing, and straps a carrier can’t see from the street. Mobile homes run through their own markets, where the home’s age and tie-down setup decide eligibility. And out west, ranch homes on acre-plus lots — some with barns and horses — need a rebuild number built from the actual structures on the property, plus a liability conversation. Two-thirds of occupied homes here are owner-occupied, with a median value of $462,900 in that same survey.
Water and wind in Davie
Davie’s stormwater runs to the C-11 — the South New River Canal, the one locals call the Griffin Road canal. West of Nob Hill Road, the S-9 pump station lifts that water into the Everglades; east of it, the S-13 structure at US 441 moves it toward the coast, with the Central Broward Water Control District running the neighborhood canals in between. The town reports that most of Davie sits in a Special Flood Hazard Area, though elevation swings block to block — Pine Island Ridge is Broward County’s highest natural ground at 29 feet. Davie’s Class 7 CRS rating cuts NFIP premiums 15% inside flood zones and 5% outside — a discount shared by the town’s 19,400-plus flood policies. After Hurricane Irene flooded parts of town in October 1999, Davie identified 13 drainage problem areas and rebuilt them. The question to settle with your agent is how much flood coverage your home needs — elevation, construction, distance to water, and rebuild cost set the price, not the zone label alone.
What actually moves your premium here
Davie homeowners face a distinct combination of risks: Broward County’s hurricane and tropical storm vulnerability, Davie’s South Florida wind exposure. A standard homeowners policy addresses many of these — but flood damage is never covered. We strongly recommend pairing your home policy with a separate flood insurance policy sized to your rebuild cost. Ask us about bundling your home and auto insurance to save on both.
Three levers move a Davie quote most. A wind mitigation inspection comes first — in a town where the median home dates to 1989, documented straps, deck nailing, and opening protection are often the biggest single credit on the policy. The roof comes second: plenty of Davie homes were reroofed after Wilma in 2005, and Florida’s roof age rules start narrowing carrier options as those roofs pass the twenty-year mark — replacing or certifying the roof opens the market back up. Third is your hurricane deductible, a percentage of your dwelling coverage you choose yourself; our hurricane deductible guide walks through how each option plays out at claim time. Working with your agent, stack those against the CRS flood discount and a quote of the same home across 20+ carriers.
The communities we cover in Davie
From Pine Island Ridge and Forest Ridge to Shenandoah, Long Lake Ranches, Stonebrook Estates, and the horse country between Flamingo Road and I-75, we quote homes in every corner of Davie. Our Broward County home insurance guide carries the county-wide picture — carriers, costs, and coverage by area.
Frequently Asked Questions About Homeowners Insurance
How much is homeowners insurance in Davie, FL?
There’s no honest one-number answer: what a Davie home pays depends on the home’s age and roof condition, its construction and distance to water, the Coverage A it actually needs, and the deductibles and endorsements you choose. That spread is exactly why we quote the same home across 20+ carriers — the differences between carriers on one address are routinely larger than any published “average.”
What does homeowners insurance cover in Florida?
A standard Florida homeowners policy (HO-3) typically covers:
- Dwelling (Coverage A): The structure of your home — walls, roof, foundation, and built-in appliances — against covered perils like fire, wind, lightning, and vandalism.
- Other Structures (Coverage B): Detached garages, fences, and outbuildings.
- Personal Property (Coverage C): Your furniture, electronics, clothing, and belongings, both at home and away.
- Loss of Use (Coverage D): Additional living expenses if your home is uninhabitable due to a covered loss — hotel bills, restaurant meals, and temporary rental costs.
- Personal Liability (Coverage E): Protection if someone is injured on your property and sues you.
- Medical Payments (Coverage F): Pays medical bills for guests injured on your property, regardless of fault.
What Florida homeowners insurance does NOT cover:
- Flood damage Heavy rainfall and tropical events can push water into homes well beyond mapped high-risk zones. Flood damage is never covered by standard homeowners insurance — a separate flood policy is essential protection. Learn about flood insurance in Davie.
- Sinkhole coverage — Catastrophic ground cover collapse coverage is included with admitted Florida carriers; the broader optional sinkhole-loss endorsement is inspection-gated and approved selectively, and typically carries a 10% deductible with strict policy language. Discuss your options with your Cornerstone agent.
- Normal wear and tear — Maintenance issues are not covered.
How much homeowners insurance coverage do I need?
When shopping for home owners insurance, Davie residents often make the mistake of using the purchase price of the home as the basis for the amount of coverage they request. Often times, the purchase price of the home is not the same as its replacement cost. This is especially true if the house was purchased several years ago. As building codes change and inflation pushes up the price of materials and labor, replacement costs tend to become higher than purchase price or even market value. Both kinds of estimate error come out of your pocket. Built from generic assumptions instead of your actual home, its footage, construction, and finish level, the number can run low, opening a gap at total loss time, or run high, charging premium for rebuild value that is not in the house.
Also Consider Extended Replacement Cost in Case of Disaster: If a major disaster strikes your area, it is wise to carry extended replacement cost on your homeowner policy to account for a possible spike in material costs to rebuild the home.
Can a wind mitigation inspection lower my homeowners insurance in Davie?
Yes — a wind mitigation inspection is one of the most effective ways to reduce your homeowners insurance premium in Florida. Wind mitigation inspections are a smart investment for Davie homeowners. Roof upgrades, hip roof construction, and impact windows can all generate premium credits that offset the cost of the inspection many times over. Learn more in our 2026 Guide to Florida Homeowners Insurance.
A licensed home inspector evaluates features of your home that reduce wind damage risk, including:
- Roof shape — Hip roofs (sloped on all four sides) receive better credits than gable roofs.
- Roof decking — The thickness and nailing pattern of your roof decking.
- Roof covering — The type and age of your roof materials.
- Roof-to-wall connection — Hurricane straps or clips that secure the roof structure to the walls.
- Opening protection — Impact windows, impact doors, and hurricane shutters that protect against wind-borne debris.
2026 cost guides from Angi and HomeGuide put wind mitigation inspections at roughly $75–$150, and the savings can pay for it many times over. Ask your Cornerstone agent whether your home is a good candidate.
Does home owners insurance cover flood damage?
The standard home insurance Davie residents buy does not include flood insurance. So if your dwelling is ever damaged by a flood, you would be responsible to pay the costs directly out of pocket. The good news is that flood protection is available through multiple options: some homeowners carriers offer a flood endorsement that can be added directly to your home policy, while standalone flood coverage is also available through the NFIP and private flood carriers. Learn more about flood insurance for your home.
How do I know if I have enough liability coverage?
Make sure you have high enough individual liability limits in case someone is injured on your property and submits a claim against you. There is no formula for the right amount — carry as much liability coverage as you qualify for and can afford, enough to stand between a lawsuit and both your current and future earnings. If that runs past the maximum liability coverage on your homeowners policy, Davie residents should consider an umbrella policy to provide the additional liability protection they need.
Should I get a higher or lower Hurricane deductible on my policy?
Most Florida home insurance policies have a hurricane deductible expressed as a percentage of your home’s insured value — typically 2% or 5%. For example, if your home is insured for $300,000 with a 2% hurricane deductible, you’d be responsible for the first $6,000 of hurricane damage out of pocket.
Key considerations:
- A higher deductible reduces your annual premium but requires more out-of-pocket money if a hurricane strikes. Only choose a higher deductible if you can comfortably cover that amount.
- A lower deductible (2%) provides more protection with less upfront cost, but will result in a higher annual premium.
- South Florida hurricane and tropical storm risk, storm surge and coastal flooding exposure — these factors make the hurricane deductible one of the most important decisions for Davie homeowners.
Which home insurance carriers do you work with?
We represent many of the top homeowners insurance carriers, including:
- American Integrity Insurance
- American Strategic Insurance (ASI)
- American Traditions Insurance
- Edison Insurance
- Florida Peninsula
- Heritage Insurance
- Manatee Insurance Exchange
- Monarch Insurance
- Olympus Insurance
- Ovation Home Insurance Exchange
- Progressive Insurance
- Safepoint Insurance
- Security First Insurance
- Slide Insurance
- Tower Hill Insurance
- Universal Property and Casualty
What other types of insurance do you offer?
Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:
- ATV Insurance
- Auto Insurance
- Motorcycle Insurance
- Flood Insurance
- Condo Insurance
- Umbrella Insurance
- Renters Insurance
- Comprehensive Liability Insurance
- Boat & Watercraft Insurance
- RV Insurance
- Term Life Insurance
- Wedding / Special Events
- Horse Liability
- Vacant Home Insurance
- Golf Cart Insurance
- Dwelling Fire Insurance
- And More
More Broward County cities we serve: Coconut Creek, Cooper City, Coral Springs, Dania Beach, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hillsboro Beach — or see all on our Broward County insurance hub.
Compare Davie home insurance across 20+ carriers
The best carriers, real agents, and technology that makes it easy — and if staying put is the right answer, we’ll say so. Call or text 813.920.8181.
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