Hollywood, FL Home Insurance
Hollywood homeowners sit between the Atlantic, the Intracoastal Waterway and miles of low-lying neighborhoods, which means hurricane wind, storm surge and flood risk shape nearly every property here. The Allen Thomas Group is an independent, family-owned agency licensed to serve Hollywood and Broward County, and we understand how the July 2024 FEMA flood maps, wind deductibles and older coastal building stock affect a homeowners policy in this part of South Florida. We compare 15+ A-rated carriers and the Citizens program to fit coverage to your home.
Carriers We Represent
Home Insurance in Hollywood and Broward County
Hollywood spans a barrier island, the Intracoastal corridor and inland neighborhoods that drain slowly, so windstorm and flooding are the defining exposures for most homeowners. The community participates in the National Flood Insurance Program, and when FEMA's updated Flood Insurance Rate Maps took effect on July 31, 2024, more than 11,000 Hollywood properties were newly added to a Special Flood Hazard Area, where flood insurance becomes mandatory for federally backed mortgages, according to the City of Hollywood FEMA flood map program. Because standard homeowners policies exclude flood, we help Hollywood clients pair wind and flood coverage so one storm does not expose a costly gap. You can confirm your own designation through the Broward County flood zone maps.
Florida is consistently among the most expensive states for homeowners insurance, the result of hurricane catastrophe exposure, high reinsurance costs and years of litigation. The Florida Office of Insurance Regulation oversees the market and Citizens Property Insurance Corporation as the state's insurer of last resort. As an independent agency licensed to serve Florida, we shop 15+ A-rated carriers against the private market and Citizens to find sustainable home coverage for Hollywood rather than defaulting to a single option.
How Much Does Home Insurance Cost in Hollywood, FL?
Home insurance in Hollywood runs well above national averages. Homeowners coverage in Broward County commonly ranges from roughly $3,600 to $6,400+ per year for a typical single-family home, with premiums climbing past $7,000 for older, larger or barrier-island and Intracoastal properties, driven by hurricane risk, flood exposure and Florida's high reinsurance and litigation costs. The figures below are general guidance rather than a quote.
Home premiums in Hollywood are shaped by windstorm exposure, your flood zone and elevation, the age and material of your roof, rebuilding costs and Florida's high reinsurance costs. Properties east of US-1, on the barrier island or near the Intracoastal typically price higher, while inland neighborhoods on higher ground may see more moderate rates.
- Hurricane and windstorm exposure along the Atlantic coast and Intracoastal Waterway, including mandatory hurricane/wind deductibles
- Flood zones and storm surge risk in low-lying Hollywood, where the July 2024 FEMA maps added more than 11,000 properties to Special Flood Hazard Areas
- Florida's nation-leading reinsurance and historical litigation costs, which insurers pass through to home premiums
- Property location relative to the barrier island, Intracoastal and the US-1 corridor, where surge and flood exposure are highest
- Older coastal building stock and roof age, a leading factor in Florida carrier eligibility and pricing
- Rebuilding and replacement costs across waterfront and established Hollywood neighborhoods like Hollywood Beach, Lakes and Hollywood Hills
- Catastrophe exposure that influences carrier availability and the role of Citizens Property Insurance as insurer of last resort
What Hollywood Homeowners Should Know About Coverage
Whether you own a single-family home in Hollywood Hills or Emerald Hills, a bungalow in the Lakes section, or a beach condo near the Broadwalk, your coverage needs to account for windstorm, flood and Florida's elevated rebuilding costs. We help Hollywood homeowners structure homeowners, condo, flood and umbrella coverage that reflects real local exposures rather than a one-size-fits-all package.
For coastal and Intracoastal homes, we layer dwelling, wind, flood and excess liability so your protection keeps pace with South Florida replacement costs. We review options across multiple carriers and the Citizens program so you understand the trade-offs before you decide.
- Homeowners and high-value home insurance for coastal and inland Broward County properties
- Condo (HO-6) coverage for Hollywood Beach, Intracoastal and barrier-island unit owners
- Flood insurance through the NFIP and private flood markets for homes in and out of Special Flood Hazard Areas
- Windstorm and hurricane deductible guidance for South Florida policies
- Dwelling and replacement-cost coverage tuned to Hollywood rebuilding costs
- Personal umbrella and excess liability for added protection above your home limits
Why Hollywood Homeowners Choose The Allen Thomas Group
The Allen Thomas Group is an independent, family-owned agency founded in 2003, with an A+ BBB rating and access to 15+ A-rated carriers. We are licensed to serve Florida and work with Hollywood homeowners to navigate windstorm, flood and a property market shaped by high reinsurance and catastrophe costs. Because we are independent, we advocate for you and compare carriers rather than representing a single company.
We are headquartered in Ohio and are not located in Hollywood, so we serve homeowners across Broward County by phone, email and online. That lets us bring statewide market knowledge and carrier relationships to your home without the constraints of a single local office.
Frequently Asked Questions
How much does home insurance cost in Hollywood?
Home insurance in Broward County commonly ranges from about $3,600 to $6,400+ per year for a typical single-family home, and more than $7,000 for older, larger or barrier-island and Intracoastal properties, driven by hurricane risk, flood exposure, roof age and Florida's high reinsurance and litigation costs. We recommend a tailored quote across multiple carriers.
Are you located in Hollywood?
No. The Allen Thomas Group is an independent, family-owned agency headquartered in Ohio and licensed to serve Florida, including Hollywood and Broward County. We do not have a Hollywood office, but we work with local homeowners remotely by phone, email and online, and we understand Hollywood's windstorm, flood and market conditions.
Do I need flood insurance for my Hollywood home?
Many Hollywood homes do. Standard homeowners policies exclude flood, and flood insurance is mandatory for homes in a FEMA Special Flood Hazard Area with a federally backed mortgage. When the updated FEMA flood maps took effect on July 31, 2024, more than 11,000 Hollywood properties were newly added to high-risk flood areas. Given the city's low elevation, Intracoastal corridor and barrier-island exposure, we recommend most homeowners consider flood coverage even when it is not strictly required.
Why is homeowners insurance so expensive in Hollywood?
Florida is among the most expensive states in the U.S. for homeowners insurance because of concentrated hurricane catastrophe exposure, high reinsurance costs and years of litigation. In Hollywood, windstorm and storm-surge exposure, flood risk, older coastal building stock and high rebuilding costs add further pressure. We shop 15+ A-rated carriers to find the most sustainable option for your home.
What is Citizens Property Insurance and should I use it for my home?
Citizens Property Insurance Corporation is Florida's state-backed insurer of last resort for homeowners who cannot find coverage in the private market. It can be appropriate in some cases, but the private market is often a better fit. As an independent agency, we compare both so you can make an informed choice rather than defaulting to one option.
Does my Hollywood home insurance cover hurricane damage?
Wind and hurricane damage is typically covered under a Florida homeowners policy, but usually subject to a separate hurricane or windstorm deductible that is a percentage of your dwelling limit. Flood and storm surge are not covered by a standard policy and require separate flood insurance. We help you confirm your deductibles and close any gaps before storm season.
Get Hollywood Home Coverage Built Around Real South Florida Risk
Let the Allen Thomas Group compare 15+ A-rated carriers and the Citizens program to match your Hollywood home with windstorm, flood and liability protection that fits. Call (440) 826-3676 to talk through your coverage with an independent advisor.