The top-rated home insurance agent in Miami, Florida is Univista Insurance, rated 4.9 stars across 4,274 reviews. Other highly rated options include GoldenTrust Insurance Kendall, First Choice Insurance Agency Corp, USA General Insurance Corporation. This directory lists 128 home insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 5195 NW 77th Ave 2nd Floor | (305) 508-9575 |
| 2 | GoldenTrust Insurance Kendall | 11658 N Kendall Dr | (305) 452-0823 |
| 3 | First Choice Insurance Agency Corp | 7540 SW 117th Ave | (786) 360-1021 |
| 4 | USA General Insurance Corporation | 13631 SW 26th St | (305) 386-3305 |
| 5 | Dulcinea Insurance Agency | 1840 Coral Wy #221 | (786) 910-9487 |
| 6 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 7 | GoldenTrust Insurance Westchester | 7298 SW 40th St | (305) 680-0944 |
| 8 | Neighbors Insurance Agency | 7130 SW 43rd St | (305) 265-8585 |
| 9 | American Insurance Point - AIP FLORIDA | 999 Brickell Ave # 410 | (305) 440-0212 |
| 10 | IMAX Insurance Group | 10368 W Flagler St | (786) 441-8985 |
As hurricane season approaches each year in Miami, securing comprehensive coverage becomes a critical concern for local homeowners. Univista Insurance, operating as a home insurance agent in Miami, Florida, assists property owners in reviewing their policies for adequate protection against wind and flood damage. They help clients navigate different coverage options that align with current property values and local risks. An agent typically begins this process by conducting a detailed walk-through inspection of the home to assess its condition and identify any necessary adjustments before finalizing a policy.
GoldenTrust Insurance Kendall provides home insurance policies tailored to Miami, Florida homeowners. Its services include coverage evaluations, risk assessments, and policy comparisons to help protect residential investments. Standard maintenance support involves reviewing existing plans annually and offering adjustments for updated property needs. The company assists with claims guidance and document processing when damage occurs. It services single-family homes, apartment complexes, retail storefronts, and local restaurants in the greater Miami area, addressing the specific insurance requirements of each property type.
First Choice Insurance Agency Corp serves Miami, Florida, and the surrounding communities in Miami-Dade County, handling a range of home insurance policies for local homeowners. It assists clients in navigating coverage options that protect against weather-related risks common to the region, including hurricane and flood concerns. The agency focuses on explaining different policy types to match individual property needs and budgets. To handle a typical job, it first reviews a client’s current coverage, identifies gaps, and then presents comparative quotes from available carriers.
At USA General Insurance Corporation in Miami, the primary distinction between a one-time consultation and an ongoing service is that the former provides a single policy evaluation, while the latter includes continuous coverage reviews and annual adjustments. As a home insurance agent, the company assists clients in identifying appropriate property protection. Service runs on an as-needed basis, meaning policyholders may request assistance at any time without committing to a recurring appointment schedule.
As hurricane season approaches in Miami, Dulcinea Insurance Agency helps local homeowners review wind and flood coverage options tailored to their properties. The company guides clients through policy details for older and newer homes alike across the region. Each consultation focuses on aligning coverage with local building codes and weather risks. An agent schedules a property walkthrough to assess roofs, windows, and exterior structures before finalizing a quote.
Blue Sky Insurance & Immigration Services provides residential home insurance coverage to property owners in the Miami, Florida area. The agency also offers commercial coverage for local businesses seeking protection for their structures and assets. The team works with clients to explain policy options tailored to individual needs and property values. After an initial policy is issued, the agency follows up regularly to review coverage and adjust plans between visits as circumstances change.
GoldenTrust Insurance Westchester, based in Miami, Florida, provides home insurance agent services to local homeowners. The company helps clients secure policies that cover property damage, liability, and personal belongings. It assists in comparing coverage options suited for different housing types, including single-family homes and condominiums. The Miami environment often requires attention to windstorm and flood protection. Homeowners can work with the agency to adjust deductibles and policy limits. For an additional specialty, the agency can arrange for scheduled personal property coverage to protect high-value items like jewelry or artwork.
Neighbors Insurance Agency in Miami, Florida, provides residential coverage for homeowners seeking to protect their property from local weather risks. The company also offers commercial policies tailored for small businesses operating in the area. Service reaches throughout greater Miami, helping clients secure appropriate limits for both dwelling and liability needs. Regular policy reviews are encouraged, and follow-up service between annual renewals is available for customers who require endorsements or mid-term adjustments.
American Insurance Point - AIP FLORIDA provides residential home insurance coverage to property owners in Miami, Florida. The agency also offers commercial policies for businesses seeking property protection in the region. Staff assist clients in comparing coverage options to secure appropriate protection for their homes and assets. Customers can arrange follow-up policy reviews or adjustments between regular visits to ensure ongoing coverage meets changing needs.
IMAX Insurance Group assists homeowners in Miami, Florida, with standard property coverage and offers available add-ons such as flood protection and liability extensions. The agency evaluates risks from hurricanes and storm surges common to South Florida. Their policies can secure residential structures, rented condominium units, and vacation properties. The company also serves commercial sectors including offices, warehouses, and food service establishments.
What Does a a Home Insurance Agent in Miami Cost?
The cost of a home insurance agent in Miami is typically paid through a commission included in your premium so you do not pay a separate fee. Average annual premiums for homeowners insurance in Florida range from 1500 to 4000 dollars depending on your homes value location and coverage level. Costs vary greatly based on factors like roof age proximity to the coast and claims history. This is general information and not insurance advice.
About home insurance agents in Miami
A home insurance agent in Miami Florida helps you find coverage for your home against windstorm flood and other risks common to the region. Florida law requires insurers to offer sinkhole coverage and agents can explain this optional add on. Working with a local agent ensures you understand the specific requirements of the Florida insurance market.
Frequently Asked Questions
What does a home insurance agent in Miami do?
A home insurance agent in Miami helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms deductibles and exclusions. They also assist with filing claims and updating your coverage as your situation changes.
Do I need flood insurance for my Miami home?
Standard home insurance policies in Florida do not cover flood damage. If your home is in a high risk flood zone your mortgage lender may require flood insurance. A Miami agent can help you purchase a separate flood policy through the National Flood Insurance Program or a private carrier.
What Florida laws affect home insurance policies?
Florida law requires insurers to offer sinkhole loss coverage on homeowners policies. The state also has a 90 day time limit to report a claim after a loss. Additionally Florida law mandates a 10 day grace period for premium payments before cancellation.
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