Sunrise Insurance Rates:

Sunrise, FL homeowners insurance is about $989 to $1,341, about $82-$111/month. Our exhaustive guide shows customers can save as much as $466 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in Sunrise, FL

Home insurance is one of the most important types of insurance you can buy. It protects your home and belongings in the event of a covered loss. Home insurance also provides liability coverage against lawsuits for bodily injury or property damage that you or members of your family cause to other people. Many types of home insurance policies are available, and the coverage they provide can vary widely. It's important to work with an insurance agent to ensure you get the right coverage for your needs. Here in Sunrise, FL, home insurance rates are relatively affordable. The average cost of home insurance in Sunrise, FL, is $1518. However, rates can vary depending on the value of your home, the amount of coverage you need, and the deductible you choose.

Homeowners insurance premiums are calculated after carefully examining several factors. These include the house's age, previous claims, amount of coverage, deductible, location, ZIP code, and other factors. Here are a few tips for affordable home insurance in Sunrise, Florida.

Multi-Policy insurance

The more insurance policies you have with the same company, the lower your rates will be. This is because insurance companies offer discounts for customers who bundle their policies. In the case of home insurance, the multi-policy discount is typically 10%. So, if you have your home and auto insurance with the same company, you could save 10% on your home insurance premium. The amount you'll save with a multi-policy discount will vary depending on the insurance company and the amount of coverage you have. But, if you're looking to save on your home insurance cost, it's definitely worth considering a multi-policy discount. After choosing multi-policy insurance in Sunrise, Florida, homeowners can get home insurance for $1290.3.

Claims history

If you have a history of making claims on your home insurance policy, your insurer may view you as a higher risk and charge you a higher premium. Conversely, you may be rewarded with a lower premium if you have a good claims history. When shopping for home insurance in Sunrise, be sure to ask your insurer about discounts for having a good claims history. You may be able to save money on your premium by maintaining a good claims history. The cost of homeowners insurance in Sunrise, Florida, is $1320.66 for those who have never filed a claim. In contrast, those who have filed one or two claims pay $1624.26 and $1700.16 in premiums.

Safety features

A home with a security system is less likely to be burglarized than a home without one. Therefore, the insurance company will charge a lower rate for this home. The same goes for homes with smoke detectors, fire sprinklers, and other safety features. The safety features present in a home can significantly impact the cost of insurance. For instance, in Sunrise, Florida, homes with sprinkler systems and smoke detectors pay $1426.92 and $1320.66 in home insurance. If you want to save money on your home insurance, installing some safety features is definitely worth considering. Even something as simple as a smoke detector can make a big difference in your rates. So, if you want to keep your home insurance costs down, make sure your home is as safe as possible.

Sunrise, FL Homeowners Insurance By Home Value

Sunrise, FL Home Value Total Homes % of Total Average Sunrise, FL Homeowners Insurance
Less than $50,000 3,413 15.0% $174
$50,000 to $59,999 1,088 4.0% $384
$60,000 to $69,999 585 2.0% $477
$70,000 to $79,999 593 2.0% $547
$80,000 to $89,999 709 3.0% $629
$90,000 to $99,999 663 2.0% $699
$100,000 to $124,999 2,025 9.0% $815
$125,000 to $149,999 1,542 6.0% $1013
$150,000 to $174,999 2,572 11.0% $1199
$175,000 to $199,999 1,807 8.0% $1386
$200,000 to $249,999 3,371 15.0% $1665
$250,000 to $299,999 2,307 10.0% $2038
$300,000 to $399,999 1,535 6.0% $2586

Top Home Insurance Agents Near Sunrise, FL

Home Insurance Company Near Sunrise, FL Homeowners Insurance Agency Near Sunrise, FL Address
NA Insurance Solutions Of Coral Springs Inc 1750 N University Dr Ste 218 , Coral Springs, FL, 33071
NA Celedinas Agency, Inc. 1441 Brickell Ave, Ste 1400, Miami, FL, 33131
Travelers Alexander & Greep & Tate Insurance 2727 E OAKLAND PARK BLVD STE 200, FORT LAUDERDALE, FL, 33306
Travelers Fulton Agency Inc 5401 N UNIVERSITY DR STE 202, CORAL SPRINGS, FL, 33067
State Farm Michael Bennardo 9779 W Sample Rd, Coral Springs, FL, 33065-4003

Sunrise, FL Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Sunrise, FL

Streets in Sunrise Area Homeowners Insurance Cost
NW 112th Trl, Sierra Ter, Cedar Creek Pl, NW 26th Pl, SW 159th Way, Waterbrook Ln, NW 4th Manor, Harpers Ferry St, Waterview Ln, Blue Ridge Way$1,244
NW 36th Pl, NW 91st Ln, SW 169th Way, Royal Poinciana Dr, E Aragon Blvd, S Garden Cove Cir, Azure Ln, Magnolia Ct, Nob Hill Ln, NW 20th Pl$1,306
NW 84th Way, Whitestone Manor, SW 149th Ln, Birchwood Way, W Cypress Cove Cir, W Wind Cir, Roarke Dr, Cedar Bluff Ct, Sawgrass Corporate Pkwy, NW 135th Way$1,244
Hampton Pl, International Pkwy, Garden Cove Cir, Catalina Dr, Sumter Manor, SW 157th Ter, NW 63rd Trl, Sandalwood Ln, NW 138th Dr, Jasmine Cir$1,296
Bowman Ct, SW 120 Ter, N Royal Cove Cir, NW 28th Pl, NW 7th Manor, NW 33rd Pl, NW 124 Ave, Dambrackas Way, Winding Lake Rd, Creek Ford Dr$1,363

Sunrise, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sunrise$174 to $177

Sunrise, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Plantation CCD, Broward County, Florida $176 $234 $351
Lauderhill city, Florida $172 $229 $344
Tamarac city, Florida $173 $230 $345

Sunrise, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Sunrise, FL5.8%19.1%

Sunrise Renters Insurance as a Percentage of Rent

Sunrise Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 94 1.0% $788
$300 to $499 121 1.0% $1238
$500 to $749 234 2.0% $1913
$750 to $999 1,618 19.0% $2663
$1,000 to $1,499 3,838 45.0% $3788
$1,500 or more 2,405 28.0% $5438

Average Cost Of Home Insurance By Company In Areas Nearby Sunrise For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Florida Family Insurance $3,789
150,000 27 NO Safeway Property Insurance $6,293
150,000 27 YES Security First Insurance $2,174
150,000 27 YES Tower Hill Signature Insurance $3,219
300,000 12 NA American Integrity Insurance $3,812
300,000 12 NA American Traditions Insurance $2,707
300,000 12 NA Castle Key Indemnity Company Insurance $3,251
300,000 12 NA First Community Insurance $4,712
300,000 12 NA United Property & Casualty Insurance $4,254

Sunrise, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Sunrise Homeowner Insurance Premium Example $4,100$3,100
Out of Pocket Expense During Claim$1,900$5,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $22,400$21,400
Net Savings to Sunrise Home Owner from High Deductible Plan $1,000

Sunrise, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sunrise, FL Home Replacement Value MORE than Home Value Sunrise, FL Home Replacement Value LESS than Home Value
Replacement Value $442,000 $273,500
Insurance Premium based on Replacement Value $10,375 $6,425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $101,000 Risk Exposure from Under Insuring Coverage is $67,500
Premium Impact Insurance cheaper by $1,575/year Insurance costlier by $2,375/year

Example Sunrise Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmAllstate
Monthly Premium 102214354
Year Built 199620091989
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $50000-$75000$150000-$175000$250000-$300000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Sunrise, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 185,000 Wood Shake Roof 1,930 3 $1000-$2500 Deductible 1500 5 Brick siding yes
2009 155,000 Slate Shingles Roof 2,080 3 $2500-$5000 Deductible 1110 8 Fiber-Cement Siding yes
1996 165,000 Slate Shingles Roof 1,550 2 $1000-$2500 Deductible 330 2 Vinyl siding yes
1991 225,000 Asphalt Shingles Roof 2,330 4 > $10,000 Deductible 960 5 Wood siding No
2008 115,000 Composition Roof 1,310 3 $500- $1000 Deductible 1890 9 Vinyl siding No
1988 255,000 Shingles Roof 2,600 4 $500- $1000 Deductible 2500 5 Wood siding No
1989 135,000 Slate Shingles Roof 1,690 3 $500- $1000 Deductible 1410 8 Brick siding yes
1981 165,000 Wood Shake Roof 1,620 2 $1000-$2500 Deductible 2470 12 Stucco siding yes
1982 105,000 Wood Shake Roof 940 2 $1000-$2500 Deductible 190 2 Brick siding No
1981 110,000 Composition Roof 1,320 3 $1000-$2500 Deductible 600 4 Stucco siding yes
1989 145,000 Tile Roof 1,690 4 $1000-$2500 Deductible 2780 12 Vinyl siding No
1992 155,000 Asphalt Shingles Roof 1,920 3 $500- $1000 Deductible 1410 6 Stucco siding No
2004 205,000 Wood Shake Roof 2,310 4 $1000-$2500 Deductible 2770 10 Wood siding yes
1985 200,000 Membrane Roof 1,790 2 $500 Deductible 1940 6 Vinyl siding No
1992 115,000 Slate Shingles Roof 1,420 3 $500 Deductible 980 5 Fiber-Cement Siding yes
1998 135,000 Asphalt Shingles Roof 1,750 2 $2500-$5000 Deductible 460 4 Brick siding yes
2005 135,000 Membrane Roof 1,660 4 $500 Deductible 870 4 Stucco siding No
1996 160,000 Slate Shingles Roof 2,050 4 $1000-$2500 Deductible 250 1 Brick siding yes
1999 195,000 Wood Shake Roof 2,080 4 $500 Deductible 3520 12 Vinyl siding No
2009 190,000 Shingles Roof 2,120 3 $5000 to $10,000 Deductible 1720 7 Brick siding yes
1994 135,000 Composition Roof 1,350 2 $1000-$2500 Deductible 680 4 Fiber-Cement Siding yes
1994 145,000 Asphalt Shingles Roof 1,420 2 $2500-$5000 Deductible 280 2 Stucco siding yes
1981 180,000 Wood Shake Roof 1,770 2 $1000-$2500 Deductible 2890 12 Vinyl siding yes
2005 255,000 Wood Shake Roof 2,310 4 $5000 to $10,000 Deductible 460 2 Brick siding No
1983 145,000 Metal Roof 1,420 3 $2500-$5000 Deductible 1190 6 Wood siding yes
2006 215,000 Composition Roof 2,360 3 $500- $1000 Deductible 4110 10 Vinyl siding No
1992 200,000 Slate Shingles Roof 1,810 4 $1000-$2500 Deductible 2930 9 Stucco siding No
2006 265,000 Asphalt Shingles Roof 2,490 4 $5000 to $10,000 Deductible 1070 3 Vinyl siding No
2005 155,000 Tile Roof 1,630 2 $500- $1000 Deductible 1330 7 Vinyl siding yes
1980 130,000 Tile Roof 1,730 4 $1000-$2500 Deductible 670 4 Wood siding yes
1991 210,000 Slate Shingles Roof 2,090 4 $500 Deductible 980 3 Stucco siding yes
1989 330,000 Metal Roof 3,240 4 $1000-$2500 Deductible 2330 5 Vinyl siding yes
2002 115,000 Wood Shake Roof 1,230 2 $500 Deductible 1540 9 Vinyl siding yes
2006 185,000 Membrane Roof 1,680 2 $5000 to $10,000 Deductible 2250 9 Stone Siding No
1980 150,000 Metal Roof 1,223 2 $500 Deductible 610 2 Fiber-Cement Siding yes

Latest Home Insurance Reviews

I would recommend them simply because they give me the time of day and are very quick to respond to the phones. I can often be impatient and a quick response is good for me.
Citizens Property Insurance
I would recommend this company base of the policy and the deductible. However, the customer service can be a little iffy.
I would recommend them to anyone because of the security you feel. That's the biggest factor with me. The main reason you get insurance is to feel confident that they'll help you when you need it.
I would recommend USAA because they offer good rates. They also have great customer service. They answer calls right away or call back immedicately.
State Farm
I assume that my rates are as good, if not better, than competitors. I shopped around initially, but haven't bothered looking in the past couple years as I'm satisfied with what I have now.
I am pretty satisfied with my homeowners insurance company and their customer service. They always are available to talk and share the information.They are always kind and provide the quickest service possible.
Farmer's Insurance
My insurance company has excellent customer service. Whenever I've had a question or problem they go out of their way to help me.
My home insurance company's customer service is good. They have evening hours so it makes more convenient to call them after work.
Their website and mobile app are easy to navigate and very user-friendly. For that alone, I recommend them to anyone.
They promptly respond to claims.
Liberty Mutual
Their customer service it's pretty good. Whenever I call I do not get my call transferred to a call center in India or some other country so, I am able to precisely and clearly talk to an agent that can understand my needs.
When a claim was filed, they handled it immediately and were in contact with me. I'm very happy with the customer service and my claims rep that handled everything for me in a very timely manner.
Stillwater Insurance Group
Ill give a recommendation. They paid the claims we have submitted. The price is a little high as well as the deductable, however overall it has been a good experience.

How To Make Your Sunrise, FL Home Insurance Cheaper

How Much Does Sunrise, FL Home Insurance Cost?