The top-rated landlord insurance agent in Miami, Florida is USA General Insurance Corporation, rated 5.0 stars across 1,161 reviews. Other highly rated options include Insurance Exchange of America, Blue Sky Insurance & Immigration Services, Neighbors Insurance Agency. This directory lists 75 landlord insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | USA General Insurance Corporation | 13631 SW 26th St | (305) 386-3305 |
| 2 | Insurance Exchange of America | 8600 NW 17th St Suite 101 | (305) 403-0800 |
| 3 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 4 | Neighbors Insurance Agency | 7130 SW 43rd St | (305) 265-8585 |
| 5 | Caley Insurance | 12260 SW 8th St Suite #122 | (305) 800-2985 |
| 6 | E&L Insurance | 1241 SW 27th Ave | (305) 541-1002 |
| 7 | Absolute Choice Insurance | 12905 SW 42nd St Suite 110 | (305) 275-1777 |
| 8 | Bortec Insurance | 14655 SW 104th St kiosk 3 | (786) 800-2200 |
| 9 | Insurance of South Florida | 11836 NW 10th Ave | (305) 477-1717 |
| 10 | Rovner & Company, LLC | 10800 Biscayne Blvd Suite 310 | (561) 287-6279 |
USA General Insurance Corporation serves Miami, Florida, and its surrounding communities, handling coverage for residential rental properties and commercial landlord liabilities. The company manages policies for property damage, liability protection, and lost rental income typical to local landlords. It structures each risk assessment individually, matching coverage limits to the specific property type and tenant profile encountered in the South Florida market.
Serving property managers, landlords, and real estate investors across Miami, Insurance Exchange of America provides landlord insurance agent services tailored to rental properties. They assist with policies covering dwelling protection, liability coverage, and loss of rental income. As property risks vary by location and building type, they help clients navigate local insurance requirements. Common work includes reviewing coverage limits for single-family rentals, condos, and small apartment buildings. Their service area extends to neighboring communities within the Miami metro, including the neighborhoods of Coral Gables and Brickell.
Blue Sky Insurance & Immigration Services in Miami, FL distinguishes between one-time landlord insurance policies and recurring coverage plans that renew annually. Their landlord insurance agent services help property owners protect rental income and liability exposure on residential buildings throughout the Miami area. General policies typically cover property damage, legal defense costs, and loss of rent. Service runs on an as-needed basis, with clients able to request a policy review or new quote whenever their rental situation changes.
Neighbors Insurance Agency specializes in landlord insurance policies for residential and commercial rental properties. It provides general coverage solutions designed to protect property owners in Miami, Florida. The agency assists landlords with standard policies for single-family homes, condos, and small apartment buildings. It helps clients navigate common risks like tenant damage and liability claims. As hurricane season approaches, the agency offers guidance on securing adequate windstorm and flood coverage to protect investment properties from seasonal storm threats.
Serving Hialeah and the surrounding communities of Miami-Dade County, Caley Insurance handles landlord insurance policies for property owners renting out residential and commercial units. The agency addresses coverage needs like property damage, liability protection, and loss of rental income. It works to match each rental property with an appropriate insurance plan tailored to the specific risks faced by local landlords. Caley Insurance begins a typical job by reviewing the property details and rental terms to identify necessary coverage limits and present customized policy options.
E&L Insurance assists property owners with landlord insurance coverage in Miami, Florida. They offer protections for rental dwellings, including policies that can address liability concerns and property damage from tenants or natural events. As a Landlord Insurance Agent, the firm commonly works with clients who own and lease out residential units, condominiums, and small apartment buildings. Their services extend to commercial sectors such as offices, warehouses, and food service establishments.
Absolute Choice Insurance in Miami, Florida is known for providing tailored landlord insurance policies to property owners. It assists landlords in the local area with protection against property damage, liability claims, and rental income loss. The company understands the unique risks of Miami’s real estate market, such as weather-related issues and tenant turnover. It works to secure comprehensive coverage that aligns with each client’s portfolio needs. A specialty service it offers is flood insurance add-ons for properties located in flood-prone zones.
Bortec Insurance provides residential landlord coverage for properties in Miami, Florida. The firm also structures commercial policies for multi-unit apartment buildings and mixed-use spaces throughout the greater metropolitan area and nearby communities. Services help landlords manage property and liability exposure across diverse rental portfolios. Agents support policyholders with adjustments between lease cycles and during tenant transitions, maintaining consistent coverage that facilitates repeat service for returning clients scheduling regular annual reviews.
Rovner & Company, LLC serves the Miami-Dade County area as a landlord insurance agent. It assists property owners in acquiring coverage tailored to residential rental properties in this coastal market. The company helps clients navigate policies that address liability for tenant injuries and physical damage to structures. It also advises on protecting rental income when a unit becomes uninhabitable due to a covered event. Its available services include loss of rent coverage and landlord liability protection.
What Does a a Landlord Insurance Agent in Miami Cost?
In Florida landlord insurance costs typically range from 25 percent to 35 percent more than standard homeowners insurance. For a single family rental in Miami you might pay 1500 to 4000 per year depending on property value location and coverage limits. Properties in high risk flood zones will have additional costs for separate flood insurance. This is general information and not insurance advice.
About landlord insurance agents in Miami
A landlord insurance agent in Miami helps property owners protect their rental investments with tailored policies. Florida law does not require landlord insurance but mortgage lenders often mandate it. Miami properties face unique risks from hurricanes and flooding so agents can advise on windstorm and flood coverage.
Frequently Asked Questions
What does a landlord insurance agent in Miami do?
A landlord insurance agent helps you find a policy that covers your rental property. This includes dwelling coverage liability protection and loss of rental income. They can also explain Florida specific endorsements like windstorm or sinkhole coverage.
Is landlord insurance required by Florida law?
Florida law does not require landlord insurance. However your mortgage lender will likely require a policy that covers the dwelling. Some HOAs or condominium associations may also require liability coverage.
How does Florida hurricane risk affect landlord insurance costs?
Hurricane risk in Miami increases premiums significantly. Many policies have a separate windstorm deductible often 2 percent to 5 percent of the dwelling value. Agents can help you find policies that meet Florida building code requirements.
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