Home, Condo & Flood Insurance in Hollywood, FL

Best One Insurance is an independent insurance agency based in Pembroke Pines. We help Hollywood homeowners, condo owners and renters compare coverage from several insurance companies, by phone and online. More than half of Hollywood's housing units were built before 1970 and about 3 in 10 are in buildings with 20 or more units, so roofs, building systems and condominium finances shape what you can buy. Call (954) 944-3928 or get a free quote.

Hollywood at a glance for insurance

Home insurance in Hollywood: older homes, older systems

With a median year built of 1969, many Hollywood homes have systems that were installed decades ago. When we quote one, these are the questions that decide the options:

• The roof, and the City's re-roof paperwork. Florida law says an insurer may not refuse to write or renew a homeowner's policy solely because of the age of a roof under 15 years old, and an inspection showing five or more years of useful life protects an older roof the same way (s. 627.7011(5), Fla. Stat.). A re-roof permit in Hollywood also comes with a hurricane-mitigation affidavit on the roof-to-wall connections. It offers an exemption when the building's insured value is under $300,000 or when the roof-to-wall work would cost more than 15% of the roof replacement, and the contractor must provide job cost estimates to prove it (City checklist).
• Electrical, plumbing and air conditioning. Insurers often ask for a 4-point inspection on older homes. The age that triggers it is each company's rule, not a state law, and what the inspection finds can decide which companies will quote.
• Wind mitigation. A home built to an earlier code can document what has been upgraded, such as impact windows, shutters and roof straps, on the state's wind-mitigation form. The 2026 version of the form is valid for up to five years if nothing material changes (Florida OIR).
• Additions and conversions. Work built without a permit can cause problems at application and at claim time. If you are unsure about a porch, garage or room addition, ask us before you apply.

Condos in Hollywood: the building matters as much as the unit

About 3 in 10 Hollywood units are in buildings with 20 or more units, many of them condominiums. Your unit-owner (HO-6) policy covers the interior, belongings, liability and loss assessment, and the association's master policy covers what its documents assign to it. Two Florida rules make the association's finances part of your risk:

• Milestone inspections. Condominium buildings of three or more habitable stories need one by December 31 of the year they reach 30 years (25 where the local government requires it), then every 10 years (s. 553.899, Fla. Stat.).
• Structural integrity reserve studies. A residential condominium association must have a study completed at least every 10 years for each building of three habitable stories or higher (s. 718.112(2), Fla. Stat.). The same section says that, for budgets adopted on or after December 31, 2024, an association that must obtain a study cannot vote to provide no reserves, or fewer reserves, for the structural items it lists.

Repairs and reserves can reach owners as higher fees or special assessments. Send us the association's insurance certificate and we will check the deductible and your loss assessment limit. Condo insurance

Renting in Hollywood

Renters occupy 41% of Hollywood's homes (American Community Survey). A landlord's policy covers the building, not your belongings or your liability, which is what renters insurance is for. Owners who rent out a house, duplex or condo need a landlord policy rather than a homeowners policy (landlord insurance), and a unit rented by the night is a different policy type again (short-term rental insurance).

Flood insurance in Hollywood

Homeowners policies exclude flood. In Hollywood the map change and the weather both matter:

1. The 2024 maps moved many properties. The City says about 11,000 properties joined the Special Flood Hazard Area, which means more structures face elevation rules and owners with federally backed mortgages must carry flood insurance. It also says 2,115 properties are no longer required to carry it but that flood insurance is still recommended. Look up your address in the City's Flood Risk Portal or on FEMA's Map Service Center (msc.fema.gov).
2. Rain floods Hollywood, not only tides. The City describes many areas as prone to flooding from heavy rain and says some neighborhoods have had up to 18 inches of water in recent years (City of Hollywood). In 2023 the National Weather Service recorded 87.68 inches of rain at Hollywood North Perry Airport, its wettest year on record there (NWS Miami 2023 summary).
3. The City's rating earns a discount. Class 6 on FEMA's list means 20% off NFIP premiums, and FEMA can leave a policy out of the discount when a structure does not meet local floodplain rules.
4. Waterfront owners. Ask how your policy treats a seawall, dock or boat lift before you assume it is covered.

NFIP policies cover up to $250,000 for a home's structure and $100,000 for contents and usually start after a 30-day wait (FloodSmart). Private flood policies can offer higher limits, and we compare both. Flood insurance in Florida

Hurricanes, wind and deductibles

Hurricane deductibles are a percentage of the dwelling limit, chosen from the options your insurer must offer ($500, 2%, 5% or 10%, with conditions that depend on the dwelling limit) under s. 627.701, Fla. Stat. Illustration: on a $320,000 dwelling limit, 2% is $6,400 and 5% is $16,000. A higher percentage lowers the premium and raises your share of a storm loss, so we show you both numbers before you choose.

Auto and small business

• Auto: Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability (Florida DHSMV). We compare several auto insurers and go through the coverages above that minimum. Auto insurance
• Small business: general liability, property and workers' compensation for shops, restaurants and offices. Business insurance

Working with Best One for Hollywood insurance

• Independent since 2000. We are an agency, not an insurance company, and we compare options from several companies.
• Licensed. Florida DFS agency licenses L035127 and L087202.
• By phone and online, from our one office on Pines Blvd in Pembroke Pines.
• Read what clients say about us on Google: client reviews.

Hollywood insurance questions

Nearby: Pembroke Pines | Miramar | Fort Lauderdale | All areas we serve

Florida homeowner guides: Wind mitigation | 4-point inspection | Roof age | Hurricane deductibles | Citizens | Flood insurance | Zone X flood insurance | Non-renewal | Water damage | Buying a home | All guides