Sunrise Homeowners Insurance

What Your Sunrise, FL Homeowners Insurance Policy Needs

Sunrise, FL is a city of approximately 85,000 people, located in Broward County. Many who work in the nearby city of Miami choose to make Sunrise their home. This small city offers its residents an abundance of affordable housing, a number of cultural and entertainment venues, and all the amenities of a larger city with the feel of a small town. If you are among the proud homeowners in this beautiful and well-maintained Florida city, you will want to be sure to protect your investment with a suitable Sunrise home insurance policy.

When you are shopping for the most affordable policy to cover your home, you can count on a local Trusted Choice® agent for help. These agents are able to gather for you a variety of customized Sunrise homeowners insurance quotes so that it is easy for you to compare rates and find the best policy to meet your coverage and budgetary needs. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

Homeowners in the state of Florida pay somewhat higher-than-average rates for their home insurance coverage. Of course, rates can vary significantly from one property owner to the next, so the figures listed above can only give you a general idea of how much you might expect to pay. Insurance companies take a number of factors into consideration when they calculate your actual Sunrise home insurance costs. These can include such factors as the following:

  • The value and estimated rebuilding cost of your home
  • The ZIP code in which your house is located
  • The use of the property you are insuring: primary residence, second home or vacation home
  • The type of property you are insuring, (e.g., detached house, condominium, townhome, mobile home, manufactured home, etc.)
  • The amount of personal property coverage you wish to purchase
  • The amount of your deductible
  • The presence of a swimming pool or other liability risk on the property
  • Your qualification for any offered policy discounts

Insurance companies have different ways of assessing risk and calculating rates, so each company you contact is likely to quote a different price for your home coverage. That is why it is a good idea to compare at least three Sunrise homeowners insurance quotes before you make a selection.

Second Home and Vacation Home Insurance

Additional property, such as a second home or a vacation home, has different coverage needs from your primary residence. For example, you may keep fewer valuable belongings in a vacation home and therefore need less in the way of contents coverage, but a house that sits vacant and unattended for several months out of the year can increase risks and cause your rates to increase. Or you may own a second home that you use as an investment vehicle through rental income. In this case, you need a landlord insurance policy to meet your increased liability and coverage needs.

Your Trusted Choice agent can help you find the right policies to cover all of your properties. Your agent may even be able to save you money by bundling your second home or vacation home insurance under the same provider that handles your Sunrise home insurance coverage. Find a local Trusted Choice agent to learn more.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

The burglary rate in Florida is lower than the national average; and in Sunrise the rate is relatively low as well. In 2014, there were 474 burglaries reported in this city. That equates to about 5.11 burglaries for every 1,000 homes, which is slightly lower than the national rate.

You can reduce your risk of burglary by taking preventive measures, like ensuring that all of your home’s doors and window have secure working locks and ensuring that your entryways are well-lit and unobstructed. If you have a burglar alarm system installed in your house, you may even qualify for a discount on your home insurance. Unfortunately, no preventive measure is 100% foolproof. However, if your house is burglarized or damaged by vandals, your Sunrise homeowners insurance policy provides you with compensation for your losses.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Residents of Sunrise have a rather low risk of facing tornado damage to their homes. However, that does not mean that the risk is nonexistent. For example, in 1980, an F3 twister touched down just 7.3 miles from the city center and caused several million dollars’ worth of damage.

Catastrophes, like tornadoes, hurricanes and fires, can be extremely damaging and can even lead to the complete destruction of your home and everything in it. That is why it is crucial that you have sufficient coverage for both the structure of your home and the contents within. Your Trusted Choice agent can help you assess how much coverage is sufficient and whether actual value or replacement cost coverage is the better choice for you. In some cases, highly valuable property, such as fine art and family heirlooms, may require special endorsements in order to be fully covered. Your Trusted Choice agent can advise you if this this the case.

What Are the Risks in Sunrise, FL?

The biggest risk faced by homeowners in Sunrise is property damage caused by hurricanes and tropical storms. The damaging winds and heavy rainfall that accompany hurricanes and tropical storms can cause a great deal of property damage. It is therefore important that you ensure that your home has hurricane insurance coverage. In some cases, this entails purchasing a special endorsement with your Sunrise homeowners insurance, and in others, it means you need to buy supplemental coverage. Either way, your Trusted Choice agent can help you be sure you have the coverage you need.

Oftentimes, these hurricanes and tropical storms bring flooding to the area. Unfortunately, flood damage is not covered by home insurance — even if you have hurricane insurance. The only way to get coverage against flood damage is to supplement your Sunrise homeowners insurance policy with flood insurance through the National Flood Insurance Program (NFIP). Your Trusted Choice agent can provide more information about this coverage and can help you secure an affordable policy.

Compare Sunrise Home Insurance Quotes

The only way you can be sure you are purchasing your Sunrise homeowners insurance policy at a reasonable price is by comparing costs and offerings from a few competing insurance companies. Because this can often be a time-consuming and frustrating task, many homeowners avoid bothering with it and, as a result, end up paying more than is necessary for their coverage.

That is why it is advantageous to work with a Trusted Choice agent when you are shopping for a home policy. These agents can contact a number of reputable insurance companies to make rate inquiries on your behalf. That way, you can easily compare customized Sunrise home insurance quotes and choose the policy that best meets your coverage and budgetary needs. With offices conveniently located in and near Sunrise, it is easy to find a local Trusted Choice agent who can assist you.

Now, who's ready to get their insurance problems solved?