The top-rated condo insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 715 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 10 condo insurance agents serving Cutler Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ellie Mills - State Farm Insurance Agent | 20330 Old Cutler Rd | (305) 238-8688 |
| 2 | Estrella Insurance | 20214 Old Cutler Rd | (305) 232-7690 |
| 3 | Choice One Insurance | 18400 SW 97th Ave STE 101 | (305) 252-1873 |
| 4 | Del Toro Insurance | 18651 S Dixie Hwy | (305) 252-1009 |
| 5 | Univista Insurance | 18932 S Dixie Hwy | (305) 433-7393 |
| 6 | Greisy Cabanas - State Farm Insurance Agent | 9730 SW 184th St | (305) 233-4242 |
| 7 | Claudia's Insurance Inc | 18901 SW 106th Ave #132 | (786) 293-9141 |
| 8 | Lumina Insurance At Cutler Bay | 20250 S Dixie Hwy Ste 202 | (786) 409-0930 |
| 9 | Goosehead Insurance - Luis Andrew Ruiz & Eric Gray | 20325 Old Cutler Rd | (786) 685-2962 |
| 10 | Gerald Campbell: Allstate Insurance | 10655 SW 190th St STE 2111 | (305) 602-5200 |
Ellie Mills - State Farm Insurance Agent serves the Cutler Bay, Florida area as a dedicated condo insurance agent. The company assists condo owners in securing insurance coverage tailored to their specific property needs and association requirements. Agent Ellie Mills provides guidance on protecting personal belongings and liability within a condominium unit. Typical services include helping clients understand their master policy and arranging for additional personal property and loss assessment coverage.
Estrella Insurance provides comprehensive Condo Insurance agent services in Cutler Bay, Florida, focusing on protecting individual unit owners and condominium associations. It offers tailored policies that address common area liability, interior structural damage, and personal property coverage gaps left by master policies. Service plans typically include annual policy reviews to adjust coverage for renovations or updated personal belongings, ensuring alignment with evolving HOA requirements. The company services single-family homes, apartments, retail spaces, and restaurants.
Choice One Insurance provides tailored condo insurance solutions for property owners in Cutler Bay, Florida, covering essential protections such as dwelling and liability coverage. Its service approach includes assisting clients in selecting appropriate policy limits and endorsements to match individual unit conditions and association requirements. The company also offers guidance on claims reporting and policy adjustments as needed. It services single-family homes, apartments, retail spaces, and restaurants.
Del Toro Insurance serves condo owners and residents in Cutler Bay, Florida, providing tailored insurance policies to protect individual units and shared building elements. The agency helps clients navigate loss assessment coverage and personal property protection, ensuring each policy aligns with association requirements and local regulations. Del Toro Insurance also works with property managers seeking comprehensive liability solutions for their complexes. Beyond Cutler Bay, the company extends its condo insurance services to neighboring communities in the Palmetto Bay area of southern Miami-Dade County.
Univista Insurance serves Cutler Bay and the surrounding South Florida communities as a dedicated Condo Insurance Agent. The agency handles policies that commonly cover individual unit interiors, personal property, and liability protection for condominium owners in the area. It helps residents assess their master policy gaps and select appropriate loss assessment coverage, a common local concern. To handle a typical job, it begins by reviewing the condo association’s master policy documentation and then customizes a plan based on the client’s specific building features and unit contents.
Greisy Cabanas - State Farm Insurance Agent provides condo insurance services for homeowners, association boards, and property managers in Cutler Bay, Florida. The agency helps clients protect their individual units and shared building structures with tailored coverage options. Understanding the specific needs of coastal condominium living, the office assists residents in navigating master policy gaps and personal property protection. Its service area extends into surrounding communities such as Palmetto Bay and the broader South Miami-Dade County metro region.
Serving the condominium communities of Cutler Bay and the surrounding South Florida area, Claudia's Insurance Inc handles the specific coverage needs unique to condo association and unit owner policies. This agency focuses on arranging property protection that accounts for shared building structures, individual interior fixtures, and personal liability risks. Its typical approach involves reviewing each client’s association master policy to determine the gaps that need filling for an individual unit.
Depending on the client’s preference, condo insurance coverage in Cutler Bay can be handled as either a one-time policy setup or a recurring service with annual reviews. Lumina Insurance At Cutler Bay focuses on tailoring policies for individual unit owners, addressing common needs such as interior structural damage and personal liability protection. Their approach includes explaining how master policies interact with personal coverage. This agent offers service on a scheduled basis, typically aligning with renewal cycles rather than one-time or strictly as-needed appointments.
Goosehead Insurance, with agents Luis Andrew Ruiz and Eric Gray, offers specialized condo insurance services in Cutler Bay, Florida. It helps unit owners obtain tailored coverage for interior structures, personal liability, and loss assessments. The agency works to protect valuables and provide financial security against common condominium exposures, including water damage and theft. During hurricane season, it assists policyholders in reviewing their deductibles and special assessments coverage, ensuring they are prepared for seasonal storm-related risks.
As hurricane season approaches in Cutler Bay, condo owners often seek to verify their policy covers wind and flood damage specific to shared structures. Gerald Campbell Allstate Insurance guides residents through the unique liability and master policy nuances required for condominium associations. The agent starts every new client relationship by scheduling a walk-through of corridors, common areas, and individual unit interiors to identify any gaps before finalizing coverage.
What Does a a Condo Insurance Agent in Cutler Bay Cost?
Condo insurance in Florida typically costs between 300 and 800 dollars per year for a standard HO6 policy. Costs vary based on your unit value location and deductible. High risk areas near the coast may have higher premiums. This is general information and not insurance advice.
About condo insurance agents in Cutler Bay
A condo insurance agent in Cutler Bay Florida helps you navigate the specific coverage needs for condominium owners. Florida law requires HO6 policies to cover interior structures and personal property. Your agent can explain how master policies and individual policies work together to protect your investment.
Frequently Asked Questions
What does a condo insurance agent in Cutler Bay do?
A condo insurance agent helps you find a policy that covers your personal property interior walls and liability. They explain how Florida condominium laws affect your coverage needs and ensure you meet your association requirements.
Is condo insurance required by law in Florida?
Florida law does not require condo owners to carry insurance. However most mortgage lenders and condominium associations require you to have an HO6 policy. Your agent can help you meet these requirements.
What is the difference between a master policy and an HO6 policy in Florida?
The master policy covers the building structure and common areas. An HO6 policy covers your interior walls personal property and liability. Your agent can help you understand what the master policy does not cover.
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