Homeowners Insurance in Sunrise, FL
Protect your house, your belongings and your liability, with plain answers on the Florida questions that matter, like wind and flood.
Your home is likely your biggest investment. We help you understand what your policy covers, what it doesn't, and where a gap could cost you.
What homeowners insurance can cover
- DwellingHelps rebuild or repair the structure of your home after a covered loss.
- Other structuresFences, sheds and detached garages on your property.
- Personal propertyFurniture, electronics, clothing and other belongings.
- Loss of useHelps with living costs if a covered loss forces you out of your home.
- Personal liabilityHelps if someone is hurt on your property or you damage someone else's.
- Medical paymentsHelps with minor medical bills for guests injured at your home.
Good to know
- Florida policies often carry a separate hurricane or windstorm deductible, usually a percentage of your dwelling coverage. We'll make sure you know yours before storm season.
- Standard homeowners policies generally don't cover flood. Flood insurance is usually a separate policy, and we can help you look at options.
- Jewelry, art and other high-value items may have low limits on a standard policy. A personal articles policy can cover them properly.
Coverage, limits, exclusions and availability vary by insurer and policy. Your AJP agent will explain exactly what a policy includes before you buy.
Common questions
Does homeowners insurance cover hurricanes?
Many Florida policies cover wind damage from hurricanes, usually with a separate hurricane deductible. Flooding from storm surge is typically not covered without a flood policy. We'll walk you through your policy's details.
Do I need flood insurance in Sunrise?
It depends on your property and your lender, but flooding can happen outside high-risk zones, and standard home policies usually exclude it. Ask us to look at flood options alongside your home quote.
Can you review the policy I already have?
Yes. Bring or send your current declarations page and we'll compare it with other options at no cost.
Get your homeowners quote in about 2 minutes
Free and no obligation. A local agent explains your options in plain English.