Zen Insurance USA
2450 Hollywood Blvd, STE 203, Hollywood, FL 33020
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2450 Hollywood Blvd, STE 203, Hollywood, FL 33020
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hollywood residents.
Hollywood homeowners pay $7,000+ yearly for insurance. Learn how distance from ocean, roof age, and wind mitigation save 25-40% on coastal premiums.
Hollywood sits in Broward County, one of Florida's highest-risk hurricane zones, with properties facing both Atlantic storm surge and inland flooding. The combination of coastal location, high property values, and frequent hurricane threats drives premiums to $3,800-$7,000+ annually. Beach properties within 1,500 feet of the ocean face the highest rates due to wind pool requirements and mandatory separate windstorm coverage.
Yes, you likely do. New FEMA flood maps effective July 2024 placed over 11,000 Hollywood properties in high-risk flood zones, including many inland homes. Hollywood's low elevation and proximity to the Everglades create flood risk throughout the city. If you have a federally backed mortgage in a Special Flood Hazard Area, flood insurance is mandatory, and standard homeowners policies don't cover flood damage.
A hurricane deductible is a percentage of your dwelling coverage (typically 2%, 5%, or 10%) that you pay out of pocket before insurance kicks in after a hurricane. For a $400,000 home with a 5% hurricane deductible, you'd pay the first $20,000 of damage yourself. This deductible only applies when the National Hurricane Center issues a hurricane warning for your area, from the first warning through 72 hours after the last warning.
Wind mitigation can reduce your premiums by 10% to 45%, with some homeowners seeing discounts up to 62% when combining multiple features. For a typical $5,000 annual premium, a 30% discount saves $1,500 per year. A wind mitigation inspection costs about $100 and is valid for five years. Florida law requires insurers to offer these discounts, so if your home qualifies, the savings are guaranteed.
Standard homeowners insurance covers wind damage in most areas, but properties within 1,500 feet of the ocean or Intracoastal Waterway often require separate windstorm coverage. Many insurers exclude wind from coastal policies entirely, forcing you to buy wind coverage through Citizens Property Insurance or specialty carriers. Your mortgage lender will require both policies to ensure complete protection against hurricanes.
The trend is encouraging. After years of double-digit increases, Florida saw just a 1% rate increase in 2024—the smallest since 2019. Legislative reforms are working, and the relatively calm 2024 hurricane season hasn't damaged insurers' finances. While rates likely won't drop dramatically in 2025, the market is stabilizing, and shopping around annually can help you find better rates as competition returns.
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