Compare Hollywood Homeowners Insurance Quotes — Free
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The homes around Hollywood Lakes were built between the 1920s and the 1960s, and insuring one is mostly a documentation exercise. Carriers want a four-point inspection covering roof, electrical, plumbing, and HVAC, and they respond very differently to what it finds: updated wiring and re-piped plumbing earn real credit with some insurers, while others decline anything with original systems. Because we see these houses every week — often from a few blocks away — we know which of our carriers actually says yes, and at what price.
A lot of Hollywood went to Citizens during the hard market, and now the takeout letters are arriving as private carriers assume those policies. Citizens fell below roughly 400,000 policies statewide by the end of 2025, and its 2026 rates actually dropped — Broward Citizens policyholders saw decreases around 14%. If an offer landed in your mailbox, understand the 20% rule before you decline; we walk through the math in our guide to Citizens takeout offers, or just bring the letter to the office and we will sort it out together.
How Hollywood Homeowners Insurance Rates Compare
| Area | Where It Sits | What Owners Commonly Pay |
|---|---|---|
| Hollywood | Mid-to-upper Broward; the beach and the Lakes price highest, western Hollywood lower | Older or coastal homes frequently $6,000–$8,000+; newer or western homes closer to $3,500–$5,000 |
| Broward County | Trails only Miami-Dade among Florida counties; Palm Beach averages less | Roughly $3,500–$8,000+ is the common South Florida band |
| Florida | Most expensive state in the nation for homeowners coverage | South Florida anchors the top of the state's range |
- Hollywood sits in the High-Velocity Hurricane Zone (Miami-Dade plus Broward), where wind-borne-debris code — and wind pricing — is the strictest in Florida.
- Much of the Lakes and Hollywood Hills predates the 1994 post-Andrew code, so those homes miss the built-in credits newer construction gets automatically.
- Addresses east of US-1 and along the Intracoastal usually add a separate flood policy to the true cost of ownership.
- A wind mitigation inspection (about $75–$150) routinely returns hundreds to thousands of dollars a year in credits.
Market estimates from published 2026 rate studies; premiums vary widely with roof age, construction year, wind mitigation, and coverage limits.
Bring Your Renewal to Our Hollywood Office
Every other city page on this site says "call us." This one can say "come by." Our agency has operated from 1831 N 66th Ave since 2002, and the fastest way to find out whether you are overpaying is to hand us the renewal declaration — we will run it against 19+ carriers while you wait or by end of day.
Heading north for the season? Tell your carrier — and us
Hollywood has a large seasonal population, and vacancy clauses are where snowbirds get hurt. Once a home sits unoccupied for 30 or more days, many policies restrict theft and water-damage coverage — the two losses most likely while you are away. The fixes are straightforward: disclose the occupancy pattern, consider a seasonal-occupancy endorsement, and install an automatic water-shutoff valve, which several carriers reward with a credit. We set this up for dozens of part-year residents every fall.
Roof rules for the Lakes' older housing
FS 627.7011 protects you from nonrenewal solely over roof age while the roof is under 15 years; past that, an inspection showing five-plus years of remaining useful life preserves your options. Citizens draws its own lines — shingle roofs at 25 years, tile, metal, or concrete at 50 — worth knowing since so many Hollywood policies passed through Citizens on their way to a takeout carrier. A wind mitigation report (form OIR-B1-1802) belongs on file for any of these homes before quoting.
One office, both policies
Most clients who walk in for a homeowners quote leave with a lower car premium too — carriers discount the pairing, and we already have your information. See Hollywood auto insurance for how we shop that side.