Insurance Coverage for Fort Lauderdale, Florida
Fort Lauderdale's mix of waterfront properties, older construction, and flood-prone zones makes insurance one of the more complex markets in South Florida. Roof age, distance to coast, and flood zone designation are the three biggest factors driving your premium. We compare multiple carriers to find you the best combination of coverage and price.
As a Fort Lauderdale-based agency, we know this market better than anyone. Whether you're in a high-rise on the beach, a single-family home in Middle River Terrace, or running a business on Sunrise Boulevard, we'll make sure your coverage matches your actual risk exposure.
Coverage We Offer in Fort Lauderdale
Auto Insurance
Florida-compliant coverage with competitive rates. Multi-car discounts, SR-22 filing, and full protection options.
Homeowners Insurance
Hurricane-ready coverage built for South Florida. Wind mitigation credits, competitive hurricane deductibles.
Condo Insurance (HO-6)
Walls-in protection for your unit. We review your HOA's master policy to ensure no gaps.
Flood Insurance
NFIP and private flood options compared side by side. Your homeowners policy doesn't cover flooding.
Umbrella Insurance
$1M+ in extra liability protection for ~$200/year. Covers beyond your auto and home limits.
Renters Insurance
Protect your belongings and meet lease requirements for ~$15/month. Your landlord's policy doesn't cover you.
Boat Insurance
Coverage for powerboats, sailboats, jet skis, and yachts. Agreed value options, hurricane haul-out.
Business Insurance
General liability, BOP, workers' comp, commercial auto, and more. Custom packages for Fort Lauderdale businesses.
Coastal Property Tip
Fort Lauderdale properties east of US-1 often face higher wind and flood premiums. A four-point inspection and wind mitigation report can unlock significant discounts. We recommend getting both done before your next renewal, as the savings often pay for the inspection cost many times over.
Neighborhoods We Serve in Fort Lauderdale
We provide insurance coverage throughout Fort Lauderdale, including Victoria Park, Rio Vista, Coral Ridge, Las Olas, Tarpon River, Middle River Terrace, Flagler Village, Colee Hammock, Sailboat Bend, Progresso, and all surrounding neighborhoods.
Why Fort Lauderdale Residents Choose Sentinel Insurance
We're not a national call center. We're a local Fort Lauderdale agency that specializes in Broward County and the surrounding areas. When you call us, you get a real person who knows the South Florida market, understands the unique risks of living in Coral Springs, and will take the time to explain your options clearly.
We offer same-day quotes during business hours, bundle discounts when you combine multiple policies, and ongoing service that doesn't disappear after the sale. Whether you just moved to Fort Lauderdale or you've been here for decades, we'll make sure your coverage is right for your situation, with no gaps and no unnecessary extras.