Homeowners Insurance in Hollywood, FL
Most Hollywood homes went up between the 1950s and the 1970s, and carriers price that age hard. The age of your roof, its shape, and how it’s attached count for more here than almost anything else.
Hollywood at a glance
What drives home insurance in Hollywood
Three things set Hollywood quotes apart. Age first: about three-quarters of the city’s homes were built before 1980, per the Census Bureau’s 2020–2024 survey, so roof age, roof shape, and documented updates to wiring and plumbing drive both eligibility and price. Water second: the city’s floodplain pages note that many properties east of US 1 sit in mapped floodplains, and Hollywood’s Class 6 CRS rating earns NFIP policyholders a 20% discount — the question is how much flood coverage your rebuild cost calls for, not what letter the zone carries. Wind third: mitigation credits many older concrete-block homes qualify for sit unclaimed until an inspection documents them. Working with your agent, pin all three down before comparing carriers.
The housing stock — and what it means for your policy
Hollywood filled in fast after the war. Per the Census Bureau’s 2020–2024 survey, the 1950s, ’60s and ’70s each added roughly 16,000 to 18,000 homes, and about three-quarters of the city’s 72,800 housing units predate 1980. That vintage shapes every quote: carriers typically ask for a four-point inspection (roof, electrical, plumbing, HVAC) on homes this age, and the dates on your roof permit and panel upgrade are the first things an underwriter reads. Much of the era’s stock is concrete block, a construction detail a wind mitigation report puts on the record. The city also splits between houses and towers — 44% of units are single-family detached while three in ten sit in buildings of twenty or more, largely the condos near the beach and Intracoastal — so HO-3, HO-6 and landlord policies all work hard here. About 59% of occupied homes are owner-occupied.
Water and wind in Hollywood
Water frames the east side of the city: the Atlantic beachfront on the barrier island, the Intracoastal Waterway behind it, the North and South Lakes that give Hollywood Lakes its name, and the West Lake mangroves. The city’s floodplain pages note that many properties east of US 1 sit in mapped floodplains, and the Florida Building Code requires new construction there to finish at least a foot above base flood elevation. Storm history is dated but real: during Hurricane Irma in September 2017, the National Hurricane Center recorded just over three feet of coastal inundation along the Broward shoreline from Hallandale Beach to Fort Lauderdale. Hollywood holds a Class 6 rating in FEMA’s Community Rating System, which earns NFIP policyholders a 20% premium discount, per the city’s website. The working question is how much flood coverage your rebuild cost calls for — elevation, construction, and distance to water set the price, not the zone letter. Our Hollywood flood guide carries the how-much conversation forward.
What actually moves your premium here
Hollywood homeowners face a distinct combination of risks: Broward County’s hurricane and tropical storm vulnerability, Hollywood’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 the wind side, the levers are concrete. A wind mitigation inspection documents roof shape, roof-deck attachment and opening protection — credits many 1950s–70s block homes qualify for but never claimed. Carriers’ roof age rules matter just as much in a city where three-quarters of homes predate 1980: the year and material on that roof certificate often decide which companies quote at all. And your hurricane deductible is a choice, not a fixed fact — our hurricane deductible guide walks through how the percentage options change what you’d pay out of pocket after a storm. Working with your agent, settle those three first, then compare; we quote the same Hollywood home across 20+ carriers so the differences show up side by side.
The communities we cover in Hollywood
From the lakefront streets of Hollywood Lakes east of US 1 to Hollywood Hills, Emerald Hills, Boulevard Heights and Driftwood out west — plus the condo towers along Hollywood Beach — each pocket of the city carries its own mix of roof ages and water exposure. 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 Hollywood, FL?
There’s no honest one-number answer: what a Hollywood 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 Hollywood.
- 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, Hollywood 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. Rebuild cost is a property of your house, not of houses in general. An estimate that skips your actual square footage, construction, and features can miss in either direction: too low creates a shortfall after a total loss, too high means years of premium on value the home does not represent.
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 Hollywood?
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 Hollywood 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 Hollywood 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, Hollywood 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 Hollywood 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 Hollywood home insurance across 20+ carriers
The best carriers, real agents, and technology that makes it easy — and if staying put is the right answer, we’ll say so. Call or text 813.920.8181.
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