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Hollywood, Florida · Broward County

Insurance in Hollywood, FL: Coverage Built Around the Broadwalk, Historic Homes, and Broward's Wind Code

Magnuson Insurance is an independent agency based in Lakeland, and we place coverage for clients throughout Hollywood. A city platted in the 1920s, with a beachfront Broadwalk, historic in-town neighborhoods, and Broward's strict wind code, needs a policy shaped around all of that - not a generic coastal template.

The Local Risk Landscape

Hollywood was platted in the 1920s by developer Joseph W. Young, and that era still shows in the city's historic housing stock - neighborhoods like Hollywood Lakes and the blocks around Young Circle and Downtown Hollywood carry construction that predates modern hurricane-resistant building codes by decades.

Broward County, along with Miami-Dade, is one of only two counties under Florida's High-Velocity Hurricane Zone, so Hollywood's wind code and product-approval requirements for roofing, windows, and doors are among the strictest in the country - and they apply regardless of how close a given home sits to the water.

Hollywood Beach and its famous Broadwalk sit directly on the coast, facing storm surge and direct hurricane landfall exposure that the city's inland neighborhoods around Emerald Hills and its lakes don't face in the same way. Those inland lakes - North Lake and South Lake - along with the city's canal system feed into the Intracoastal Waterway, giving several Hollywood neighborhoods a waterfront exposure of their own, distinct from the beachfront.

I-95, US-1, and A1A all run through Hollywood, and seasonal beach tourism adds traffic density on top of the city's daily commuter volume.

Property & Flood Coverage Breakdown

Older, 1920s-era homes in Hollywood's historic neighborhoods often need a wind mitigation inspection and retrofit - roof-to-wall connections, opening protection - to qualify for the best available pricing, since they predate HVHZ-era construction standards entirely.

Beachside and coastal condo or co-op buildings three stories or taller and within three miles of the coast fall under Florida's statewide Milestone Inspection law, requiring a structural and electrical inspection at the 25-year mark and every 10 years after; other qualifying buildings are inspected at 30 years. Broward County's own long-standing 40-year recertification ordinance continues to apply alongside the state requirement.

Canal- and lake-adjacent homes around Emerald Hills or the Intracoastal should confirm whether a seawall, dock, or boat is actually addressed under the policy rather than assumed to be automatically covered.

As an independent agency, we place a historic Hollywood Lakes bungalow, a beachside high-rise condo association subject to Milestone Inspection, and a newer inland home each with a carrier suited to that specific risk, rather than one flat Hollywood rate.

Auto & Commercial Protection

Beach-season tourist traffic on A1A and US-1, combined with daily I-95 commuter volume, keeps accident frequency and liability exposure elevated in Hollywood - a real reason to look past state-minimum liability limits.

On the commercial side, we work with Hollywood Beach's hospitality, restaurant, and tourism-driven businesses, whose property and liability exposure looks very different from the professional offices and retail concentrated around Young Circle and Downtown Hollywood.

Hollywood FAQs

Questions we hear from Hollywood customers

My home in Hollywood Lakes was built in the 1920s or 1930s - what does that mean for my coverage options?

Hollywood was platted in the 1920s by developer Joseph W. Young, and homes from that era in neighborhoods like Hollywood Lakes predate modern hurricane-resistant building codes by decades. That doesn't rule out good coverage, but a wind mitigation inspection documenting your roof shape, roof-to-wall connections, and opening protection matters even more here than on a newer build, since it shows a carrier exactly what has - or hasn't - been retrofitted to current standards.

Does my beachside condo need a Milestone Inspection, and how does that affect the building's insurance?

If your building is three stories or taller and within three miles of the coast - which describes most of Hollywood Beach - it needs a structural and electrical Milestone Inspection at 25 years, then every 10 years after; other qualifying buildings statewide are inspected at 30 years. Broward County's own original 40-year recertification ordinance also still applies. Any deficiencies the inspection finds can directly affect the building's insurability and the association's reserve requirements, so it's worth understanding your building's timeline well before the inspection is due.

What's different about insuring a home on one of Hollywood's inland lakes versus one directly on the beach?

Broward's High-Velocity Hurricane Zone wind code applies to both equally, so the windows, doors, and roofing requirements don't change based on location. What does change is storm surge and water exposure: a home directly on Hollywood Beach faces direct hurricane surge risk, while a home on North Lake or South Lake near Emerald Hills has a canal- and lake-adjacent exposure closer to what inland waterfront cities deal with. We price and place these differently rather than applying one flat coastal rate.