Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 8 home insurance agents in Miami Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Toscano Insurance Group
1111 Lincoln Rd Suite 500, Miami Beach, FL 33139
(305) 397-8807
toscanoinsurance.com
Estrella Insurance
1321 Alton Rd, Miami Beach, FL 33139
(305) 534-9434
agents.estrellainsurance.com
Estrella Insurance
1108 Normandy Dr, Miami Beach, FL 33141
(305) 867-0444
agents.estrellainsurance.com
Del Toro Insurance - Buenos Aires Insurance - Miami Beach
6988 Indian Creek Dr, Miami Beach, FL 33141
(786) 523-0340
deltoroinsurance.com
Pamela Brumer: Allstate Insurance
141 Alton Rd, Miami Beach, FL 33139
(305) 531-1223
agents.allstate.com
Seldom Insurance Solutions
350 Lincoln Rd Fl 2, Miami Beach, FL 33139
(561) 862-3045
seldominsurancesolutions.com
A & T Insurance Brokerage Inc
800 71st St #1, Miami Beach, FL 33141
(305) 868-1148
atinsurancebrokers.com
South Beach Insurance Agency
1000 Lincoln Rd STE 240, Miami Beach, FL 33139
(305) 532-7623
southbeachinsurance.com
What Does a Home Insurance Agent in Miami Beach Cost?
The average cost of home insurance in Miami Beach Florida is typically higher than the state average due to hurricane and flood risks. Annual premiums for a standard policy often range from 3,000 to 6,000 dollars but can exceed 10,000 dollars for older homes or properties with high value. Costs vary based on the home age construction type coverage limits and deductible choices. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Miami Beach do?
A home insurance agent helps you compare policies from different insurers and find coverage that meets Florida requirements. They explain windstorm deductibles flood insurance options and the impact of the Florida Building Code on your premium. They also assist with claims and policy changes.
Is flood insurance required for homes in Miami Beach?
Flood insurance is not required by Florida state law but is mandatory if you have a federally backed mortgage and live in a high-risk flood zone. Most of Miami Beach is in a Special Flood Hazard Area so lenders will require it. A local agent can help you purchase a separate flood policy through the National Flood Insurance Program or a private carrier.
How do Florida insurance laws affect my home policy in Miami Beach?
Florida law requires insurers to offer coverage for windstorm damage and allows for a separate windstorm deductible. The state also has a 90-day claims filing window for property insurance claims after a loss. Agents in Miami Beach are familiar with these laws and can explain how they apply to your specific situation.