Sunrise, Florida Homeowners Insurance

Sunrise, Florida Homeowners Insurance

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

Homeowner insurance policy

When shopping for the most affordable policy to cover your property, you can count on a local Independent Insurance Agent for help. These agents with gather for you a variety of personalized Sunrise homeowners insurance quotes so that it is easier to compare rates and find the best affordable 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 costly premium in the US.

Homeowners in Florida pay slightly higher-than-average rates for their home insurance policy. Of course, rates vary significantly from one homeowner to the next, so the figures listed above should only give you a general idea of how much you might expect to pay.

Second Home and Vacation Home Insurance

An additional property, such as a vacation home or second home, has different coverage requirements from your primary residence. For example, you may have left just a few valuable belongings in a vacation home and therefore need less in the way of contents coverage, while a home that sits vacant and unattended for several months out of the year increases risks and cause your rates to rise. Or you may own a second property that you use as an investment vehicle through rental income. In this case, you require a landlord insurance policy to meet your increased liability and coverage needs.

Your insurance agent will help you find the best policies to cover all properties. Your agent may even save you money by bundling your second home or vacation home insurance policies under the same provider that handles your Sunrise home insurance coverage.

Home Insurance coverage

Number of Thefts in Florida

  • The national number of burglaries: 37,824
  • Florida Number of robberies: 3,326

Theft rate in Florida is lower than the national average, and in Sunrise, the rate is even significantly lower. In recent past years, only 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 burglary rate. You can reduce your risk of burglary by taking precautionary measures, like ensuring that all of your home’s windows and doors have secure working locks and ensuring that your entrances are well-lit and unobstructed.

If you have a burglar alarm system installed in your home, you are qualified for a discount on your home insurance. Unfortunately, no preventive measure is 100% theft-proof. However, if your house is burglarized or damaged by vandals, your Sunrise homeowners insurance cover provides you with compensation for your losses.

Number of Catastrophes in Florida

  • Amount of property damage in Florida: $210,240,000
  • Number of disasters in Florida: 594
  • Number of Hurricanes in Florida: 23
  • One in fifteen insured homes has a claim each year.

Sunrise residents have a lower risk of facing tornado damage to their homes. However, that does not necessarily mean that the risk is nonexistent. For instance, in 1980, an F3 twister landed just 7.3 miles from the Sunrise city center and caused multiple million dollars’ worth of damage. Catastrophes, like hurricanes, tornadoes, and fires, can be extremely disastrous and can even lead to the complete destruction of your home and everything in it.

That is why it is essential that you have sufficient coverage for both the structure of your home and the contents within your home. Your insurance agent can help you assess how much coverage is sufficient and whether replacement cost coverage or actual value 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 agent can advise you if this the case.

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