Hollywood, FL Independent Insurance Agency
Hollywood, Florida is a Broward County beach city built on Broadwalk tourism, hotels and restaurants, and an older coastal housing stock that all sit in the path of hurricanes, storm surge, and chronic flooding. The Allen Thomas Group is an independent insurance agency licensed to serve Hollywood and surrounding South Florida communities, and we understand how the region's wind, flood, and high-premium market shape the coverage local families and businesses actually need.
Carriers We Represent
Insurance Protection Tailored for Hollywood and Broward County
Hollywood's greatest insurance challenge is water. The city participates in the National Flood Insurance Program as a Community Rating System Class 6 community, and following FEMA's updated Flood Insurance Rate Maps effective July 31, 2024, more than 11,000 properties now sit within mapped Special Flood Hazard Areas, with thousands added east of US-1 and along the barrier island. You can confirm any address against the official maps at the City of Hollywood FEMA flood map resource and the FEMA Flood Map Service Center. Because a standard homeowners policy excludes flood, separate NFIP or private flood coverage is essential for most Hollywood homes.
Beyond flood, Hollywood property owners contend with hurricane wind, storm surge off the Atlantic, and one of the most expensive property markets in the country. According to the Florida Office of Insurance Regulation, recent legislative reforms have begun stabilizing rates and drawing new carriers back into the state, but coverage availability still varies sharply by roof age, construction, and coastal proximity. As an independent agency, The Allen Thomas Group can shop these differences across multiple insurers rather than being tied to one company's appetite.
How Much Does Insurance Cost in Hollywood, FL?
Insurance in Hollywood runs well above national averages because of South Florida's hurricane, wind, and flood exposure. Drivers here pay roughly $3,000 to $3,300 a year for full-coverage auto on average, while homeowners commonly see $3,800 to over $8,000 annually depending on location, age of the home, roof condition, and proximity to the coast. Commercial premiums vary widely by industry and are best quoted directly, especially for the city's hospitality and restaurant businesses.
Hollywood auto premiums are pushed up by heavy congestion along US-1, I-95, and the airport corridor, plus the tourist and visitor traffic drawn to the Broadwalk and Seminole Hard Rock destinations, all of which raise crash and theft frequency.
Home premiums hinge on wind and flood exposure, the age and roof condition of Hollywood's older housing stock, and distance from the coast, with barrier-island and east-of-US-1 properties carrying the highest catastrophe and surge risk.
- Hurricane and windstorm exposure plus the high cost of reinsurance, which Florida carriers pass through to coastal policyholders
- Flood and storm-surge risk, with over 11,000 Hollywood properties mapped inside FEMA Special Flood Hazard Areas
- Older housing stock and aging roofs that carriers penalize or decline outright
- Dense traffic and tourist volume around US-1, I-95, and Fort Lauderdale-Hollywood International Airport that raise accident frequency
- High property values and rebuild costs on and near the barrier island and Broadwalk
- Statewide claims litigation history that elevated rates before recent reforms began to stabilize them
- Catastrophe-driven carrier appetite, where some insurers limit new coastal business or non-renew older homes
Personal Insurance for Hollywood Homeowners and Drivers
From bungalows in Hollywood Lakes to condos near the Broadwalk and homes throughout central Broward, we help residents assemble homeowners, auto, flood, umbrella, and life coverage that reflects real South Florida exposures rather than a generic template. Wind, water, and the age of a property all factor into what a policy should include and how it should be structured.
Because flood is excluded from standard home policies and wind deductibles can run into the tens of thousands, layering the right combination of coverage matters as much as the headline premium. We walk Hollywood households through those gaps so a hurricane or surge event does not turn into an uncovered loss.
- Homeowners coverage built for older Florida construction, aging roofs, and high rebuild costs
- Separate NFIP and private flood policies for homes in mapped Special Flood Hazard Areas
- Windstorm and hurricane deductible guidance for coastal and barrier-island properties
- Auto insurance reflecting Hollywood's congested US-1, I-95, and airport-corridor traffic
- Condo and renters policies for Broadwalk-area and downtown residents
- Personal umbrella and life coverage to extend protection beyond home and auto limits
Commercial Insurance for Hollywood Businesses
Hollywood's economy leans heavily on tourism and hospitality, from Broadwalk hotels, restaurants, and bars to retail, the Seminole Hard Rock destination nearby, healthcare, and the small businesses lining Hollywood Boulevard and Federal Highway. Each of these faces distinct exposures, and a beachfront restaurant needs very different protection than a medical office or a contractor.
We help Hollywood business owners insure property against wind and flood, protect revenue with business-interruption coverage after a storm, and meet liability and workers' compensation requirements. As an independent agency representing 15+ A-rated carriers, we can match a business to insurers that actually want to write its class and coastal location.
- Commercial property and business-interruption coverage for Broadwalk hotels and restaurants
- General and liquor liability for bars, eateries, and hospitality venues
- Commercial flood and windstorm coverage for coastal storefronts
- Workers' compensation for hospitality, retail, and service staff
- Commercial auto for delivery, contractor, and service fleets
- Liability and professional coverage for healthcare, retail, and office tenants
Why Hollywood Residents and Businesses Choose The Allen Thomas Group
The Allen Thomas Group is a family-owned, independent insurance agency founded in 2003, holding an A+ BBB rating and representing 15 or more A-rated carriers. We are licensed to serve Florida and the Hollywood market, and our independence means we work for you, not a single insurer, shopping your home, auto, flood, and business coverage across multiple companies to find the right fit for South Florida conditions.
We are not located in Hollywood, and we will never pretend otherwise. We serve clients remotely by phone and email, which lets us focus entirely on advocacy: understanding your exposures, comparing carriers, and standing with you at renewal and claim time. That advisory approach is exactly what a high-premium, catastrophe-prone market like Hollywood demands.
Frequently Asked Questions
How much does insurance cost in Hollywood, FL?
Full-coverage auto insurance in Hollywood averages roughly $3,000 to $3,300 per year, while homeowners premiums commonly range from about $3,800 to more than $8,000 annually depending on the home's age, roof, and proximity to the coast. Costs run well above national averages because of hurricane, wind, and flood exposure plus high reinsurance costs. Commercial premiums vary by industry and are best quoted directly.
Are you located in Hollywood, FL?
No. The Allen Thomas Group is not physically located in Hollywood. We are an independent, family-owned agency headquartered in Ohio and licensed to serve Florida, working with Hollywood clients remotely by phone and email. That lets us focus fully on comparing carriers and advocating for you rather than running a storefront.
Do I need flood insurance in Hollywood?
Most likely. Standard homeowners policies exclude flood, and more than 11,000 Hollywood properties sit within FEMA Special Flood Hazard Areas, especially east of US-1 and on the barrier island. Even homes outside those zones flood in heavy rain and surge events. We can arrange NFIP or private flood coverage and help you read your FEMA flood zone.
Why is home insurance so expensive in Hollywood?
Hollywood sits in a hurricane, storm-surge, and flood-prone coastal market, and Florida carriers face high reinsurance costs they pass through to policyholders. Older housing stock, aging roofs, and high rebuild costs add to premiums. Recent state reforms have begun stabilizing rates, but pricing still varies sharply by location and home condition, which is where shopping multiple carriers helps.
Can an independent agency really save me money on Florida insurance?
Often, yes. Because we represent 15 or more A-rated carriers, we can compare how different insurers price your specific roof, construction, and coastal location instead of being limited to one company's rates and appetite. In a market where some carriers limit or decline coastal homes, that range of options matters as much as price.
What types of insurance can The Allen Thomas Group provide in Hollywood?
We handle personal lines such as homeowners, auto, flood, condo, renters, umbrella, and life, plus commercial coverage including property, general and liquor liability, business interruption, workers' compensation, and commercial auto. That makes us a single point of contact for Hollywood families and for the city's hospitality, retail, and service businesses.
Get Hollywood, FL Coverage Built for South Florida Risk
Let an independent agency compare 15+ A-rated carriers for your Hollywood home, auto, flood, or business coverage. Call The Allen Thomas Group at (440) 826-3676 for a no-pressure review of your options.