Condo, Home & Flood Insurance in Sunrise, FL

Best One Insurance is an independent insurance agency based in Pembroke Pines. We help Sunrise condo owners, homeowners and renters compare coverage from several insurance companies, by phone and online. Sunrise is a city of older condominium buildings: 42% of its homes date from before 1980 and one in three is in a building with 20 or more units, so the association's policy, the building's age and your flood zone matter as much as the unit itself. Call (954) 944-3928 or get a free quote.

Sunrise at a glance for insurance

Condos in Sunrise: read the building before the unit

Sunrise grew out of a golf-course village incorporated in 1961 and was annexed outward to more than 18 square miles (City of Sunrise history). A third of its homes were built in the 1970s alone, a third are in buildings of 20 or more units, and the median home is more than 40 years old. For a condo owner, the building drives the quote more than the unit does:

• The master policy comes first. The association insures the building as its documents describe. Your condo (HO-6) policy covers what is left to you: interior finishes, belongings, liability and loss-assessment. Send us the association's insurance summary and we will compare it against your policy. Condo insurance
• Age and milestone inspections. Under s. 553.899, a condo building three or more stories tall needs a milestone inspection at 30 years and every 10 years afterwards. A building from the 1970s has already been through, or is due for, that inspection. Insurers pay attention to the result, and so does your association's reserve fund. Ask for the report.
• Assessments. After a storm or a failed inspection, the association can assess every owner. The loss-assessment limit on your policy is finite, so compare it with what your building's repairs could cost.
• High floors are not immune. The City warns that even if your unit is on a high floor, a flood that severely damages the first floor of your building can make every other unit uninhabitable too, and that an elevation certificate helps an agent price a policy properly.

Houses and townhomes

Close to half the units in Sunrise are houses and townhomes. A few things come up often:

• The roof, counted from its last permitted replacement. 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.). Because Sunrise sends re-roof applications straight to the Building Division, the permit is the document to keep.
• The wind-mitigation form. The state's form (OIR-B1-1802, new version from April 1, 2026) records the roof shape, how the roof is attached, opening protection and the building code in force when the home was permitted. With a median year built of 1983, many Sunrise houses were permitted before the 1994 South Florida Building Code that the form asks about, so a replaced roof and new impact windows or shutters are what can be documented. Each company decides what a documented feature is worth (Florida OIR).
• Older systems. Insurers often ask for a 4-point inspection on homes of this age. That is each company's rule, not a state law.

Renting in Sunrise

Renters occupy about 31% of Sunrise's homes (American Community Survey). Renters insurance covers your belongings and your liability, while the owner's or association's policy covers the building. An owner who rents out a condo or house needs landlord insurance.

Flood insurance in Sunrise

Homeowners policies exclude flood, and Sunrise's own page explains the local picture:

1. Drainage is layered. Roadside swales and catch basins feed city canals and lakes, which feed primary canals regulated by the South Florida Water Management District. When days of rain raise the water in that system, local flooding can follow, even though the City says it has not yet had a major flood.
2. Ten percent of the land, but not ten percent of the risk. The City recommends flood insurance for every property, whatever the zone. Look up your address on Broward County's flood map, FEMA's Map Service Center (msc.fema.gov), or ask Public Works.
3. The discount. Class 7 means 15% off NFIP policies in Special Flood Hazard Areas. Broward's updated FEMA maps took effect on July 31, 2024, so a zone you were told about years ago may have changed (Broward County, archived January 2026).
4. Limits and timing. NFIP coverage goes up to $250,000 for a home's structure and $100,000 for contents and usually starts after a 30-day wait (FloodSmart). The flood that hit Fort Lauderdale on April 12, 2023 caused at least $28 million in damage and displaced entire neighborhoods for as much as a week (NWS Miami 2023 summary). Private flood policies can offer higher limits, and we compare both. Flood insurance in Florida

Wind and the hurricane deductible

Irma's strongest recorded gusts in Sunrise were well above the sustained winds, a reminder that gusts, not averages, damage older roofs and screen enclosures. The hurricane deductible is 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 $300,000 dwelling limit, 2% is $6,000 and 5% is $15,000. A higher percentage lowers the premium and raises what you pay after a storm, so we show you both numbers. For a condo, the association's policy carries its own hurricane deductible, which can reach you as an assessment.

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, workers' compensation and commercial auto for shops, offices and contractors. Business insurance

Working with Best One for Sunrise 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.

Sunrise insurance questions

Nearby: Plantation | Davie | Coral Springs | Weston | 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