The top-rated condo insurance agent in Miami Gardens, Florida is Legacy Builders Insurance Agency, rated 5.0 stars across 517 reviews. Other highly rated options include Estrella Insurance, GoldenTrust Insurance Miami Gardens, Brightway Insurance, Miami Lakes. This directory lists 16 condo insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Legacy Builders Insurance Agency | 19545 NW 2nd Ave | (305) 749-6303 |
| 2 | Estrella Insurance | 3489 NW 183rd St | (305) 925-9944 |
| 3 | GoldenTrust Insurance Miami Gardens | 5663 NW 195th Dr | (305) 998-7133 |
| 4 | Brightway Insurance, Miami Lakes | 18191 NW 68th Ave Suite 222 | (305) 676-6762 |
| 5 | Sebanda Insurance | 4771 NW 167th St | (305) 390-8415 |
| 6 | Univista Insurance | 4729 NW 183rd St | (305) 406-6708 |
| 7 | Del Toro Insurance | 3753 NW 167th St Suite 102 | (786) 533-2513 |
| 8 | Gardens Insurance Inc | 1818 NW 183rd St | (305) 621-0072 |
| 9 | Adavi Insurance Inc & Miami Gardens Multi Services Inc | 4526 NW 183rd St | (305) 620-6636 |
| 10 | Renew Insurance LLC | 16533 NW 57th Ave | (305) 624-7300 |
Legacy Builders Insurance Agency serves the Miami Gardens, Florida area as a dedicated condo insurance agent. The company helps owners and association boards secure liability protection and property coverage for individual units. Condo insurance in this region addresses risks from storms, theft, and common-area damage not covered by the master policy. The agency also assists clients in understanding their loss assessment and interior wall coverage needs. It handles gap coverage for building improvements and personal property protection for unit interiors.
Estrella Insurance serves the Miami Gardens area of Miami-Dade County, specializing in condo insurance coverage for local residents. It helps unit owners protect their personal property and interior structures from common perils such as fire, theft, and water damage. The agency also provides coverage options for loss assessments and personal liability, ensuring a comprehensive suite of protections for condominium living. It handles individual condo unit policies and supplemental coverage for building improvements made by the owner.
GoldenTrust Insurance Miami Gardens provides a full range of condo insurance services, including policy evaluation and tailored coverage options. The company offers ongoing service plans to adjust plans as property values or association requirements change. It assists clients with navigating local deductible rules and common area liability needs. Its expertise supports single-family homes, apartments, retail spaces, and restaurants throughout Miami Gardens.
Brightway Insurance, Miami Lakes provides coverage for homeowners, landlords, and property managers in Miami Gardens, Florida, specializing in condo insurance policies. The agency assists clients in securing plans that protect individual units and shared building elements. It offers guidance on navigating association requirements and available coverage options for personal property and liability. Services include comparing policies from multiple carriers to help match residents with suitable protection for their condominium needs. The agency also serves the broader Miami metropolitan area, including nearby communities in Hialeah.
Sebanda Insurance serves the Miami Gardens, Florida area and its surrounding communities, providing coverage specifically tailored for condo unit owners. It handles the unique insurance needs of condominium associations and individual policyholders, addressing risks related to interior fixtures and personal liability. The agent works to clarify what master policies cover versus what owners must protect themselves. For each client, it takes the time to assess the specific value of belongings and the building structure. This approach allows its agents to identify the exact coverage gap that a typical job requires to fill.
Univista Insurance provides a range of Condo Insurance services for clients in Miami Gardens, Florida, including tailored coverage options to protect individual units and shared building structures. Its service plans focus on helping policyholders understand their master policy gaps and the additional personal property and liability protection needed. The company assists with essential maintenance considerations, such as interior improvements and loss assessments. Univista Insurance services single-family homes, apartments, retail spaces, and restaurants.
Del Toro Insurance serves homeowners and property managers in Miami Gardens, Florida who require specialized condo insurance coverage. The agency provides policies that protect individual units and common areas, addressing the specific needs of condominium associations and unit owners alike. Tailored plans help clients meet their financial responsibilities and safeguard against unexpected damages. Additionally, the agency extends its condominium insurance services to neighboring communities throughout the Miami metropolitan area, including nearby Aventura.
Gardens Insurance Inc in Miami Gardens, Florida distinguishes between one-time condo insurance consultations and recurring policy management services. Coverage typically protects individual unit interiors, personal liability, and building improvements against common perils like fire or theft, while navigating association master policy gaps. Service runs on a one-time, scheduled, or as-needed basis according to client demand throughout the year.
Adavi Insurance Inc & Miami Gardens Multi Services Inc in Miami Gardens, Florida, assists condo owners in distinguishing between a one-time policy for a single transaction and recurring coverage that protects their unit over the long term. Their services include advising on master policy gaps and contents protection for individual condominium units. General market knowledge covers common area liability and loss assessment endorsements pertinent to local homeowners associations in Miami Gardens. Service scheduling occurs on an as-needed basis, tailored to each client’s specific policy review or purchase requirement.
Renew Insurance LLC serves Miami Gardens, Florida, and the surrounding communities in Miami-Dade County. The company operates as a Condo Insurance Agent, helping condominium unit owners secure coverage for their property and personal liability. It focuses on policies that address the specific risks faced by condo dwellers in the area, including interior damage and loss assessments. To handle a typical job, the agency begins by reviewing the client’s master association policy and then structures an individual HO-6 policy to fill coverage gaps.
What Does a a Condo Insurance Agent in Miami Gardens Cost?
Condo insurance premiums in Miami Gardens typically range from 300 to 800 dollars per year for a standard HO6 policy. Factors include the unit value, location, deductible amount, and the age of the building. Windstorm coverage may add 100 to 300 dollars more per year. This is general information and not insurance advice.
About condo insurance agents in Miami Gardens
Condo insurance agents in Miami Gardens help owners understand the unique coverage needs for Florida condominiums. Florida law requires condo associations to carry a master policy, but individual unit owners still need an HO6 policy for interior walls, fixtures, and personal property. A local agent can explain how the Florida Condominium Act affects your personal coverage limits and deductibles.
Frequently Asked Questions
What does a condo insurance agent in Miami Gardens do?
A condo insurance agent helps you find an HO6 policy that covers your personal belongings, interior walls, and liability. They can also explain how your association master policy affects what you need to insure.
Do I need condo insurance if my association has a master policy?
Yes. Florida law does not require unit owners to carry insurance, but most mortgage lenders do require it. The master policy only covers common areas and bare walls. You need your own policy for everything inside your unit.
How does Florida law affect my condo insurance coverage?
Florida Statute 718.111 requires condo associations to maintain property insurance on the building. However, this does not cover your personal property or interior improvements. Your HO6 policy fills those gaps and also provides loss assessment coverage if the association has a large deductible.
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