Coconut Creek Home, Townhome & Condo Insurance, Matched to What You Own
From single-family homes in Regency Lakes and Coquina to townhomes in Centura Parc and condos in Wynmoor, we compare 30+ Florida carriers and build the right policy for your type of home.
Single-family, townhome or condo: each needs a different policy
Coconut Creek has every kind of home: single-family pool homes in gated communities like Regency Lakes and Coquina, townhomes and villas, and condos in communities like Wynmoor. Centura Parc alone has all three. Each type needs a different kind of policy, and each carrier treats them differently.
A direct writer's online quote asks a few questions and hands you a price. We start with what you actually own, including what your association covers, and then compare 30+ Florida carriers to fit it.
- The right policy form. HO-3 for single-family, HO-6 for condos, and the correct choice for townhomes based on your association's documents.
- We read the documents. Declarations and master policies decide what your policy needs to cover.
- Many carriers, one call. Condo, townhome and single-family options compared side by side.
- Local since 1993. A South Florida family agency, not an out-of-state call center.
What we review for every Coconut Creek owner
Townhomes: "walls-in" or "all-in"?
Some townhome and villa associations insure the whole structure, some insure nothing, and some fall in between. Whether you need an HO-3 or an HO-6 depends on your governing documents. We'll read them with you, because guessing wrong can leave the walls of your home uninsured.
Wind mitigation in Broward
Coconut Creek is in Broward County, inside the Florida Building Code's High-Velocity Hurricane Zone. Many single-family homes and townhomes were built in the 1980s and 1990s, and retrofits like impact windows, shutters or a newer roof can earn credits, but only when a current wind mitigation inspection documents them.
Low-lying rain flooding
Coconut Creek is inland, but flat terrain, lakes and canals mean heavy rain can pool quickly on low-lying streets and ground floors. Homeowners and condo policies generally exclude flood, even outside high-risk zones. Flood coverage in lower-risk zones is often affordable, and ground-floor condo owners can insure their contents and interior.
Condo loss assessments
In condo communities like Wynmoor, the association can pass part of its deductible, often a large hurricane deductible, on to unit owners after a covered loss. Loss assessment coverage on your HO-6 can help pay your share. It generally doesn't cover assessments for routine maintenance, repairs or reserve funding.
Auto for commuters
Many Coconut Creek residents commute on the Sawgrass Expressway, the Turnpike or I-95. We shop your auto insurance with multiple carriers, separately from your home, so each policy gets the best value, and you keep one local agency for both.
What carriers look at for your type of property
Choose your home type to see the coverage questions that matter most in Coconut Creek.
- You need an HO-3 policy covering the full structure. Your HOA generally insures only common areas.
- Wind mitigation credits for hip roofs, roof-to-wall connections and impact openings can make a big difference. Make sure a current report is on file.
- Roof age is a major eligibility and pricing factor, so have your permit date handy.
- Pool screen enclosures are often limited or excluded for hurricane damage unless added back.
General guidance only. Your association's documents and each carrier's guidelines control.
Not sure what your association's policy covers? Send us your declaration page and we'll explain it.
Condo owners: where the master policy stops and yours starts
Tap any item to see who typically insures it in a Florida condominium.
Floor, wall and ceiling coverings, such as tile, wood, carpet and paint, are generally excluded from the association’s coverage under Florida law, so they fall to you.
Based on the general framework in Florida's Condominium Act (Fla. Stat. §718.111(11)). Your declaration and bylaws control.
Auto, umbrella, golf cart and more, from the same local team
We shop each line separately with the carriers that fit it best. You aren't settling for one company's weakest product, and you keep one agency to call.
Have your current declarations page?
Skip the forms. Email your current home or flood declarations page to [email protected] and we'll shop it across 30+ carriers. We typically have options for you by the next business day.
Email Your Dec PageCoconut Creek home, townhome & condo insurance FAQs
Do I need an HO-3 or an HO-6 policy for my Coconut Creek townhome?
It depends on your association's governing documents. If the association insures the building structure, you generally need an HO-6 policy for the interior, your belongings, liability and loss assessments. If you're responsible for insuring the structure yourself, you generally need an HO-3 policy. Some associations split responsibility, so we review your documents before quoting.
Can a wind mitigation inspection lower my premium on an older Coconut Creek home?
It may. Florida requires insurers to offer credits for qualifying wind-resistant features such as hip roofs, roof-to-wall straps or clips, secondary water resistance, and impact-rated windows and doors. Many Coconut Creek homes built in the 1980s and 1990s have had retrofits that qualify, but credits generally apply only when a current inspection documents them.
Do I need flood insurance in Coconut Creek if I'm not near the coast?
Flood isn't only a coastal risk. Heavy rain can overwhelm drainage on flat, low-lying ground, and homeowners and condo policies generally exclude flood. If you have a federally backed mortgage on a property in a high-risk flood zone, your lender will generally require it. Elsewhere, flood coverage is often affordable, and Some carriers let you add flood coverage to your homeowners policy by endorsement. If yours doesn't, we can quote a separate NFIP or private flood policy. NFIP policies usually have a 30-day waiting period.
Can I get my home and auto insurance through the same agency?
Yes. We shop your home and auto policies separately with the carriers that offer the best value for each, and you keep one local agency to call for service, renewals and claims on both. That approach often works better in Florida's current market than tying both policies to a single company.
Get your Coconut Creek coverage right the first time
Single-family home, townhome, villa or condo, we'll review what you own and compare carriers for you.
Office hours: Monday–Friday, 9am–5pm
Home insurance in neighboring cities
Cronin Insurance Agency · Independent insurance agency serving Coconut Creek and all of Palm Beach, Broward, and Miami-Dade Counties since 1993.
*Quote turnaround applies when you email a current declarations page during business hours (Monday–Friday, 9am–5pm) and varies with carrier response times.
Coverage, credits, and eligibility are subject to each carrier's underwriting guidelines and policy terms. A quote is not a guarantee of coverage. Premiums and savings vary by property and carrier. Information on this page is general in nature; your policy documents govern your coverage.