Homeowners Insurance in Sunrise, FL
Most of Sunrise went up in the 1970s and ’80s, so the roof does most of the talking on a quote here — its age, its shape, and how it’s fastened down. Document that well and the market opens up.
Sunrise at a glance
What drives home insurance in Sunrise
Wind sets the tone in Sunrise, as it does across Broward County — Hurricane Wilma crossed the county in October 2005, Irma followed in September 2017, and carriers price to that history. From there it comes down to your particular house. Most homes here date to the 1970s and ’80s, so roof age, roof shape, and how everything is fastened together decide which carriers want the risk and which credits you earn. Your hurricane deductible pick moves the premium more than most people expect. And because Sunrise sits inland on flat, canal-drained ground, the flood question is how much coverage to carry — the city’s Community Rating System participation trims NFIP premiums by 15%. We quote the same home across 20+ carriers to find the right fit.
The housing stock — and what it means for your policy
Per the Census Bureau’s 2024 American Community Survey, the median Sunrise home was built in 1983, and nearly six in ten of the city’s roughly 36,600 housing units went up in the 1970s and ’80s. About half the stock is single-family or townhome; another third sits in larger condo buildings — Sunrise Lakes being the big one — where an HO-6 policy paired with the association’s master policy is the right structure. For single-family owners, that 1970s–’80s vintage is the underwriting story: these homes predate the wind standards Florida adopted after Hurricane Andrew in 1992, so carriers read the roof first — its age, its permit history, and what an inspection can document about how it is attached. About one in five homes arrived after 2000, mostly on the west side near Sawgrass, and those owners typically clear roof-age rules with paperwork to spare.
Water and wind in Sunrise
Sunrise sits well inland — its western edge runs along the Sawgrass Expressway, with Everglades Water Conservation Area 2B on the other side of the levee — so storm surge is not the exposure here; slow-draining rainfall is. The ground is flat, and after a heavy storm the city’s lakes and canals hand water off to the South Florida Water Management District’s regional flood-control network. That is why the useful question is how much flood coverage to carry, not whether to carry it: what you pay is driven by your home’s elevation, its construction, its distance to water, and the rebuild cost you insure — not by the zone letter on the map alone. The City of Sunrise participates in FEMA’s Community Rating System, and the city reports that participation earns a 15% discount on NFIP flood premiums inside city limits. Working with your agent, price an NFIP policy against private flood markets at a coverage amount tied to your actual rebuild cost.
What actually moves your premium here
Sunrise homeowners face a distinct combination of risks: Broward County’s hurricane and tropical storm vulnerability, Sunrise’s South Florida wind exposure. A standard homeowners policy addresses many of these — but flood damage is never covered. We strongly recommend pairing your home policy with a separate flood insurance policy sized to your rebuild cost. Ask us about bundling your home and auto insurance to save on both.
On a 1970s or ’80s Sunrise home, the roof is the lever that moves everything else. Florida’s roof age rules shape which carriers can offer terms at all, and a wind mitigation inspection documents the features — roof-to-wall straps, deck nailing, opening protection — that earn credits on the wind portion of the premium. Your hurricane deductible is the other big dial: our hurricane deductible guide walks through how the 2%, 5%, and 10% options trade premium against what you would pay out of pocket after a storm. Get the rebuild number right too — Coverage A should track construction costs, not the sale price. Working with your agent, stack these choices deliberately; we run the same home across 20+ carriers so every credit you have earned actually gets applied.
The communities we cover in Sunrise
Sunrise runs from the original Sunrise Golf Village sections on the east side through Welleby, Springtree, and the Sunrise Lakes condo phases to the newer Sawgrass neighborhoods out by the Everglades edge. Our Broward County home insurance guide carries the county-wide picture — carriers, costs, and coverage by area.
Frequently Asked Questions About Homeowners Insurance
How much is homeowners insurance in Sunrise, FL?
There’s no honest one-number answer: what a Sunrise home pays depends on the home’s age and roof condition, its construction and distance to water, the Coverage A it actually needs, and the deductibles and endorsements you choose. That spread is exactly why we quote the same home across 20+ carriers — the differences between carriers on one address are routinely larger than any published “average.”
What does homeowners insurance cover in Florida?
A standard Florida homeowners policy (HO-3) typically covers:
- Dwelling (Coverage A): The structure of your home — walls, roof, foundation, and built-in appliances — against covered perils like fire, wind, lightning, and vandalism.
- Other Structures (Coverage B): Detached garages, fences, and outbuildings.
- Personal Property (Coverage C): Your furniture, electronics, clothing, and belongings, both at home and away.
- Loss of Use (Coverage D): Additional living expenses if your home is uninhabitable due to a covered loss — hotel bills, restaurant meals, and temporary rental costs.
- Personal Liability (Coverage E): Protection if someone is injured on your property and sues you.
- Medical Payments (Coverage F): Pays medical bills for guests injured on your property, regardless of fault.
What Florida homeowners insurance does NOT cover:
- Flood damage Heavy rainfall and tropical events can push water into homes well beyond mapped high-risk zones. Flood damage is never covered by standard homeowners insurance — a separate flood policy is essential protection. Learn about flood insurance in Sunrise.
- Sinkhole coverage — Catastrophic ground cover collapse coverage is included with admitted Florida carriers; the broader optional sinkhole-loss endorsement is inspection-gated and approved selectively, and typically carries a 10% deductible with strict policy language. Discuss your options with your Cornerstone agent.
- Normal wear and tear — Maintenance issues are not covered.
How much homeowners insurance coverage do I need?
When shopping for home owners insurance, Sunrise residents often make the mistake of using the purchase price of the home as the basis for the amount of coverage they request. Often times, the purchase price of the home is not the same as its replacement cost. This is especially true if the house was purchased several years ago. As building codes change and inflation pushes up the price of materials and labor, replacement costs tend to become higher than purchase price or even market value. Two numbers can both be wrong here. A Coverage A limit built without looking at your construction type, finishes, and features can land under the true rebuild cost, leaving a gap after a total loss, or over it, which just means premium spent on rebuild value your home does not carry.
Also Consider Extended Replacement Cost in Case of Disaster: If a major disaster strikes your area, it is wise to carry extended replacement cost on your homeowner policy to account for a possible spike in material costs to rebuild the home.
Can a wind mitigation inspection lower my homeowners insurance in Sunrise?
Yes — a wind mitigation inspection is one of the most effective ways to reduce your homeowners insurance premium in Florida. Wind mitigation inspections are a smart investment for Sunrise homeowners. Roof upgrades, hip roof construction, and impact windows can all generate premium credits that offset the cost of the inspection many times over. Learn more in our 2026 Guide to Florida Homeowners Insurance.
A licensed home inspector evaluates features of your home that reduce wind damage risk, including:
- Roof shape — Hip roofs (sloped on all four sides) receive better credits than gable roofs.
- Roof decking — The thickness and nailing pattern of your roof decking.
- Roof covering — The type and age of your roof materials.
- Roof-to-wall connection — Hurricane straps or clips that secure the roof structure to the walls.
- Opening protection — Impact windows, impact doors, and hurricane shutters that protect against wind-borne debris.
2026 cost guides from Angi and HomeGuide put wind mitigation inspections at roughly $75–$150, and the savings can pay for it many times over. Ask your Cornerstone agent whether your home is a good candidate.
Does home owners insurance cover flood damage?
The standard home insurance Sunrise residents buy does not include flood insurance. So if your dwelling is ever damaged by a flood, you would be responsible to pay the costs directly out of pocket. The good news is that flood protection is available through multiple options: some homeowners carriers offer a flood endorsement that can be added directly to your home policy, while standalone flood coverage is also available through the NFIP and private flood carriers. Learn more about flood insurance for your home.
How do I know if I have enough liability coverage?
Make sure you have high enough individual liability limits in case someone is injured on your property and submits a claim against you. There is no formula for the right amount — carry as much liability coverage as you qualify for and can afford, enough to stand between a lawsuit and both your current and future earnings. If that runs past the maximum liability coverage on your homeowners policy, Sunrise residents should consider an umbrella policy to provide the additional liability protection they need.
Should I get a higher or lower Hurricane deductible on my policy?
Most Florida home insurance policies have a hurricane deductible expressed as a percentage of your home’s insured value — typically 2% or 5%. For example, if your home is insured for $300,000 with a 2% hurricane deductible, you’d be responsible for the first $6,000 of hurricane damage out of pocket.
Key considerations:
- A higher deductible reduces your annual premium but requires more out-of-pocket money if a hurricane strikes. Only choose a higher deductible if you can comfortably cover that amount.
- A lower deductible (2%) provides more protection with less upfront cost, but will result in a higher annual premium.
- South Florida hurricane and tropical storm risk, storm surge and coastal flooding exposure — these factors make the hurricane deductible one of the most important decisions for Sunrise homeowners.
Which home insurance carriers do you work with?
We represent many of the top homeowners insurance carriers, including:
- American Integrity Insurance
- American Strategic Insurance (ASI)
- American Traditions Insurance
- Edison Insurance
- Florida Peninsula
- Heritage Insurance
- Manatee Insurance Exchange
- Monarch Insurance
- Olympus Insurance
- Ovation Home Insurance Exchange
- Progressive Insurance
- Safepoint Insurance
- Security First Insurance
- Slide Insurance
- Tower Hill Insurance
- Universal Property and Casualty
What other types of insurance do you offer?
Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:
- ATV Insurance
- Auto Insurance
- Motorcycle Insurance
- Flood Insurance
- Condo Insurance
- Umbrella Insurance
- Renters Insurance
- Comprehensive Liability Insurance
- Boat & Watercraft Insurance
- RV Insurance
- Term Life Insurance
- Wedding / Special Events
- Horse Liability
- Vacant Home Insurance
- Golf Cart Insurance
- Dwelling Fire Insurance
- And More
More Broward County cities we serve: Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale Beach — or see all on our Broward County insurance hub.
Compare Sunrise home insurance across 20+ carriers
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