Home, Flood & Umbrella Insurance in Weston, FL

Best One Insurance is an independent insurance agency based in Pembroke Pines. We help Weston homeowners compare home, flood and umbrella coverage from several insurance companies, by phone and online. About half of Weston's homes were built in the 1990s, so roofs and building systems are now old enough that insurers ask about their age and paperwork. Call (954) 944-3928 or get a free quote.

Weston at a glance for insurance

Home insurance in Weston: the questions a 1990s home raises

A home built in 1995, the median year, is about 31 years old. Unless its roof, air conditioning and plumbing have been replaced, insurers will ask how old they are and what condition they are in. These come up most often when we quote a Weston home:

• The roof, counted from its last permitted replacement. Florida law says an insurer may not refuse to write or renew a homeowner's policy solely because of the age of a roof under 15 years old. For an older roof, an inspection showing five or more years of useful life gives the same protection (s. 627.7011(5), Fla. Stat.). Keep the City permit and the contractor's invoice, and ask your roofer whether the Broward County Roof to Wall Affidavit on the City's forms list applies to your job.
• The permit date, not only the year built. Because Weston is in Broward, the state's wind-mitigation form (OIR-B1-1802, new version from April 1, 2026) asks which building code was in force when the home was permitted, including the 1994 South Florida Building Code. For a home built in 1994, 1995 or 1996, that depends on a permit application dated after September 1, 1994. The roof question has a similar High-Velocity Hurricane Zone path: a roofing permit applied for between September 1, 1994 and March 1, 2002, or an original roof built in 1997 or later (Florida OIR). How much any answer lowers a premium is each insurance company's decision.
• Opening protection. Impact windows and doors or approved shutters are recorded on the same form, and a completed form is valid for up to five years if nothing material about the home changes.
• Air conditioning, wiring and plumbing. Many insurers ask for a 4-point inspection on older homes. It is an insurance-company rule, not a state law, so the age that triggers it differs by company.

Associations, townhomes and condos in Weston

Most Weston units are single-family homes, but 13% are attached townhomes and 19% are in buildings with five or more units (American Community Survey). Many sit inside homeowners' or condominium associations, and that decides who insures what:

• The master policy and yours. Where an association insures the building, your condo (HO-6) or townhome policy covers what the association's documents leave to you: interior finishes, belongings, liability and loss assessments. Send us the association's insurance summary and we will look for gaps. Condo insurance
• Streets and drainage. The City says roadways and drainage systems inside private communities are owned and maintained by the community's maintenance association, not the City, and that it does not work on privately owned drainage systems. If flooding is severe enough that a structure may be compromised, the City's Public Works Department (954-385-2600) will look into whether the cause is the community's system or the City's (City of Weston).

Flood insurance in Weston

Standard homeowners policies exclude flood. In Weston there are four things to know:

1. The 2024 maps may have changed your zone. The City says a property "may no longer be in a flood zone" after the update, and also points out that nearly 25% of National Flood Insurance Program claims come from outside high-risk zones, citing FloodSmart.gov. Look up your address on FEMA's Map Service Center (msc.fema.gov) or Broward County's flood map, or ask us.
2. The discount has limits. Class 6 means up to 20% off NFIP premiums, but only for policies in Special Flood Hazard Areas. Preferred Risk Policies in zones B, C and X are not eligible.
3. Lakes and canals are the drainage system. The City says heavy rain can cause localized flooding and that Weston's lakes and canals store runoff from roads and other hard surfaces. They are part of the water-management system, not recreation areas.
4. Know what you are buying. NFIP coverage goes up to $250,000 for a home's structure and $100,000 for contents, usually after a 30-day wait (FloodSmart). Private flood policies can offer higher limits, and we compare both. Flood insurance in Florida

Hurricanes, wind and deductibles

Wilma's eye covered most of Broward County in 2005, and structural damage was heaviest in Broward and Palm Beach counties. A Weston home from the 1990s was built to the code of its day, which is why the permit date and roof details above matter.

Most Florida home policies carry a separate hurricane deductible: a percentage of the dwelling limit, chosen from the options your insurer must offer ($500, 2%, 5% or 10%, with conditions that depend on the dwelling limit), as set out in s. 627.701, Fla. Stat. Illustration: on a $600,000 dwelling limit, 2% is $12,000 and 5% is $30,000. A higher percentage lowers the premium and raises what you pay after a storm, so we show you both numbers.

Umbrella, auto and home-based business

• Umbrella. The median value of an owner-occupied home in Weston is $695,600 (American Community Survey 2020-2024). A higher home value, a pool or a young driver are common reasons to add liability limits above your home and auto policies. Umbrella policies usually require minimum underlying limits, which differ by company. Umbrella insurance
• Auto. Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability, and bodily injury liability is not part of that minimum (Florida DHSMV). We go through the limits above the minimum and compare several auto insurers. Auto insurance
• Working from home? A home policy often limits business property and excludes business liability. A home-business or business owner's policy can fill the gap. Business insurance

Working with Best One for Weston insurance

• Independent since 2000. We are an agency, not an insurance company. We compare options from several companies, and the company you choose issues your policy.
• Licensed. Florida DFS agency licenses L035127 and L087202.
• By phone and online, from our one office on Pines Blvd in Pembroke Pines.
• Read what clients say about us on Google: client reviews.

Weston insurance questions

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Florida homeowner guides: Wind mitigation | 4-point inspection | Roof age | Hurricane deductibles | Citizens | Flood insurance | Zone X flood insurance | Non-renewal | Water damage | Buying a home | All guides