Fort Lauderdale has 185,604 residents in 80,999 households. We list 28 agencies for life insurance in Fort Lauderdale. Here is what the local numbers say about the cover people here need.

Fort Lauderdale at a glance

28life insurance agencies listed
45.9%of households rentRenters insurance
$486,700median home valueHome insurance
1973median year homes were builtRebuild cost calculator
8.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Broward County

FEMA rates the overall natural hazard risk in Broward County, where most Fort Lauderdale agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Florida

Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance How much liability cover do you need?

Source: leg.state.fl.us. Checked 2026-10-24.

Insurance companies Fort Lauderdale agencies work with

Of the 28 Fort Lauderdale agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Annuity carrier10 agencies
LAFAYETTE LIFE INSURANCE COMPANY5 agencies
Nationwide4 agencies
Corebridge (AIG Life)3 agencies
BOSTON MUTUAL LIFE INSURANCE COMPANY2 agencies
FEDERAL LIFE INSURANCE COMPANY2 agencies
4 EVER LIFE INSURANCE COMPANY1 agency
AMERITAS LIFE INSURANCE1 agency
MERIT LIFE INSURANCE CO.1 agency
MINNESOTA LIFE INSURANCE COMPANY1 agency

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Fort Lauderdale agencies are

Fort Lauderdale agencies we list sit in 15 ZIP codes, mostly in Broward County.

333094 agencies
333013 agencies
333213 agencies
333243 agencies
333192 agencies
333252 agencies
333262 agencies
333282 agencies
333041 agency
333081 agency
333111 agency
333121 agency
333221 agency
333311 agency
333511 agency

Questions

Life insurance in Fort Lauderdale

All insurance agencies in Fort Lauderdale · Life insurance across Florida

Where can I find life insurance in Fort Lauderdale?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Fort Lauderdale agencies work with?

Among the 28 Fort Lauderdale agencies whose appointments we hold, the companies they are most often appointed with are Annuity carrier (10), LAFAYETTE LIFE INSURANCE COMPANY (5), Nationwide (4), Corebridge (AIG Life) (3), BOSTON MUTUAL LIFE INSURANCE COMPANY (2). An appointed agency can quote that company's policies.

Do I need flood insurance in Fort Lauderdale?

FEMA's National Risk Index rates inland flooding risk in Broward County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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