The top-rated condo insurance agent in North Miami Beach, Florida is Estrella Insurance, rated 5.0 stars across 1,324 reviews. Other highly rated options include Mercado Insurance Agency North Miami, Del Toro Insurance, Skylake Insurance. This directory lists 11 condo insurance agents serving North Miami Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 1695 NE 163rd St | (305) 639-2666 |
| 2 | Mercado Insurance Agency North Miami | 1140 NE 163rd St #11-15 | (305) 914-5045 |
| 3 | Del Toro Insurance | 313 NE 167th St | (305) 249-9500 |
| 4 | Skylake Insurance | 1810 NE Miami Gardens Dr | (855) 267-0900 |
| 5 | Michelle Priestman Desjardins: Allstate Insurance | 18383 NE 18th Rd | (305) 945-0823 |
| 6 | Univista Insurance | 1074 N Miami Beach Blvd | (305) 330-1070 |
| 7 | Assure-Us The Insurance Agency | 1880 NE 163rd St | (305) 956-7818 |
| 8 | Ma-Cuervo Insurance Group | 15927 Biscayne Blvd | (305) 956-9992 |
| 9 | AllStar Direct Insurance & Financial Services | 16123 Biscayne Blvd | (305) 754-7414 |
| 10 | Royalty Insurance Agency | 17101 NE 19th Ave | (954) 367-3998 |
Estrella Insurance serves residential policyholders in North Miami Beach, Florida, by providing condominium insurance coverage. The agency also works with commercial clients needing tailored protection for their property. Its service area extends throughout the local community, addressing the specific insurance needs of condo owners in the region. Policies are structured to cover interior spaces and shared liabilities as required by individual associations. The agency ensures follow-up service between regular visits, assisting with any mid-term adjustments or claims processing that may arise.
Mercado Insurance Agency North Miami offers a full range of condo insurance services, specializing in tailored coverage for individual unit owners and association requirements. It provides policy reviews and ongoing risk management support to help clients maintain adequate protection as property values and local regulations change. The agency serves single-family homes, apartments, retail spaces, and restaurants throughout the North Miami Beach, Florida area.
Del Toro Insurance in North Miami Beach, Florida, is known for specializing in coverage tailored to the unique needs of condominium unit owners. Its policies address both interior fixtures and personal liability, bridging gaps left by a building’s master policy. Serving residents across the local area, the agency focuses on matching individual policy limits to personal assets. A specialty service it can add on is loss assessment coverage for unexpected charges from the condo association’s deductible.
Skylake Insurance serves the North Miami Beach area in Miami-Dade County, providing specialized condo insurance agent services. A dedicated agent helps owners navigate policies that typically cover interior structures, personal property, and liability protection. Because Florida condominium associations often maintain master policies, Skylake Insurance assists clients in understanding where association coverage ends and individual unit coverage begins. This local agency also handles loss assessment coverage for shared building areas and offers umbrella liability protection tailored for condominium unit owners.
Michelle Priestman Desjardins: Allstate Insurance serves homeowners and property managers in North Miami Beach, Florida, who need specialized coverage for condominium associations and individual units. The agency assists clients in understanding master policy gaps that affect personal unit protection and common area liability. It offers guidance on building ordinance updates and loss assessment coverage. The team also helps residents secure policies for contents and personal property within their units. Its service area extends into the greater Aventura corridor and nearby communities throughout northeast Miami-Dade County.
Univista Insurance serves North Miami Beach and the broader Miami-Dade County area as a Condo Insurance Agent. It provides essential coverage solutions tailored to condominium unit owners, addressing both individual interior protection and the gaps often left by a building’s master policy. The agency assists clients in structuring policies that safeguard personal belongings, fixtures, and liability exposure. Specific services it handles in this area include loss assessment coverage for shared property repairs and adding ordinance or law endorsements to meet local building code requirements after a covered claim.
Serving North Miami Beach and the surrounding South Florida communities, Assure-Us The Insurance Agency handles a comprehensive range of condo insurance needs for local unit owners. It provides coverage for personal property, interior structural improvements, and personal liability within the building’s master policy framework. The agency also addresses loss assessments and additional living expenses after covered damage. To handle a typical policy, the agency begins by carefully reviewing the client’s condominium association bylaws to identify coverage gaps, then tailors individual protections to fill those specific exposures.
Ma-Cuervo Insurance Group serves condo owners in North Miami Beach, Florida, distinguishing between one-time policy purchases and recurring service options to manage ongoing coverage needs. This firm addresses the specific requirements of condo insurance, including protection for interior fixtures, personal liability, and loss assessment coverage from shared building claims. Service runs on either a one-time or as-needed basis depending on client preferences.
AllStar Direct Insurance & Financial Services specializes in condo insurance policies for North Miami Beach residents, addressing the unique coverage needs of individual unit owners and associations. The agency provides tailored protection for personal property, liability, and common area assessments. Condo owners in this coastal region face elevated risks from tropical storms and flooding during hurricane season. AllStar Direct helps clients evaluate their master policy coverage gaps to ensure adequate financial safeguards against seasonal weather events and unexpected water damage claims.
Many condo owners in North Miami Beach seek insurance that covers both interior finishes and common-area liability during hurricane season. Royalty Insurance Agency responds by offering guidance specific to condominium association master policies. Their work typically involves explaining how loss assessments and individual unit coverage interact. Homeowners appreciate learning about deductibles for windstorm damage. Before issuing a new policy, the agency first schedules a walkthrough to evaluate the unit's current condition and any recent renovations.
What Does a a Condo Insurance Agent in North Miami Beach Cost?
Condo insurance in Florida typically costs between 300 and 800 dollars per year for a standard policy. Factors include the unit value location in North Miami Beach and chosen deductibles. Windstorm coverage may add 200 to 500 dollars annually. Flood insurance through NFIP averages 700 to 1000 dollars per year. This is general information and not insurance advice.
About condo insurance agents in North Miami Beach
Condo insurance agents in North Miami Beach Florida help unit owners understand the difference between the association master policy and personal coverage. Florida law requires condo owners to carry coverage for interior improvements and personal liability. An agent can explain local flood zone risks and how the Florida Building Code affects your policy needs.
Frequently Asked Questions
What does a condo insurance agent in North Miami Beach do?
A condo insurance agent helps you find a policy that covers your personal property interior walls and fixtures. They also explain how the association master policy interacts with your individual coverage. Agents in Florida must be licensed by the state and can advise on windstorm and flood insurance requirements.
Do I need condo insurance if the association has a master policy?
Yes Florida law does not require individual condo insurance but most lenders do. The master policy typically covers the building structure and common areas. Your personal policy covers your belongings interior upgrades and liability for accidents in your unit.
How does Florida law affect condo insurance for North Miami Beach?
Florida Statute 718.111 requires associations to maintain property insurance on the building. Individual owners must insure their own additions and improvements. North Miami Beach is in a high risk flood zone so agents often recommend separate flood insurance through the National Flood Insurance Program.
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