Expertise.com

Best Homeowners Insurance Agencies in Miami Beach

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
AllStar Insurance Services logo
Visit WebsiteWebsite

AllStar Insurance Services

1666 John F Kennedy Causeway, North Bay Village, FL 33141
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Serving Miami Beach and the surrounding areas, AllStar Insurance Services helps clients protect their properties by providing quality and cost-effective homeowners insurance policies. It secures insurance coverage for cases in which a clients' home sustained damage or loss, including valuables or belongings located inside the home. AllStar Insurance Services also offers insurance coverage for condominiums and new construction properties. Additionally, the company provides insurance policies for cars, commercial properties, and medical care.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (17)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Assure-Us logo
Visit WebsiteWebsite

Assure-Us

1880 Northeast 163rd Street, North Miami Beach, FL 33162
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Since 2001, insurance agency Assure-Us has written insurance policies, such as homeowners insurance, for clients in Miami Beach. The agents present quotes from top-rated insurance carriers and assist clients in determining the most comprehensive coverage suited for their needs and budget. The homeowners insurance financially protects the home and assets from covered events. Assure-Us is partnered with more than a dozen insurance companies and offers other insurance products, including flood, renters, condo, and RV insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (90)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
E & L Insurance Services, Inc. logo
Visit WebsiteWebsite

E & L Insurance Services, Inc.

1241 Southwest 27th Avenue, Miami, FL 33135
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood

Business Description

E & L Insurance Services Inc. is a company providing individuals throughout the Miami Beach area with custom homeowners insurance policies. Its team helps clients explore their options and find the homeowners insurance policy that's right for them and their property. E & L Insurance Services can secure coverage for traditional homes, mobile homes, and condominiums to protect owners against financial liability for damage caused by flooding, hurricanes, or other types of loss events.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Florida Assurers logo
Visit WebsiteWebsite

Florida Assurers

777 Arthur Godfrey Road, Miami Beach, FL 33140
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Established in 1956, Florida Assurers is a Miami Beach-based insurance agency. It has a wide range of insurance products, including homeowners' insurance. This type of insurance policy covers single-family homes and the personal properties of policyholders. It also offers comprehensive liability protection for clients based on the perils included in it. Additionally, it provides condominium owners with coverage for their personal properties inside their respective units along with a comprehensive coverage for personal liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Oscar Martinez - UniVista Insurance Agent logo
Visit WebsiteWebsite

Oscar Martinez - UniVista Insurance Agent

761 West 41st Street, Miami Beach, FL 33140
Visit WebsiteWebsite
  • Flood
  • Multiple Policy Types

Business Description

Oscar Martinez is a Florida-based UniVista Insurance agent providing insurance services and solutions to clients in Miami Beach and the surrounding areas. He offers a variety of homeowners' insurance coverages, including homeowners' insurance policy, condo owners' insurance policy, renters' insurance policy, rental dwelling insurance policy, home liability insurance, and flood insurance. His homeowners' insurance policy provides coverage for the structure and personal property, as well as liability protection. He also offers a variety of other insurance products, such as vehicle insurance, Medicare, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (96)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rovner & Company, LLC logo
Visit WebsiteWebsite

Rovner & Company, LLC

11098 Biscayne Boulevard, Miami, FL 33161
Visit WebsiteWebsite
  • Flood
  • Multiple Policy Types

Business Description

Rovner & Company, LLC, protects the properties of homeowners in Miami Beach from accidents and natural calamities, such as fire, hail, smoke damage, and falling objects. The homeowners' insurance agency also has policies for damages to the property from theft and vandalism. It also has personal liability coverages for when the client or a family member is legally responsible for the injury of a guest within the property. The firm's CEO, Marc Rovner, has been in the insurance business since 2002.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (215)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
SOL Insurance Agency logo
Visit WebsiteWebsite

SOL Insurance Agency

1370 West Flagler Street, Miami, FL 33135
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

SOL Insurance Agency is an independent insurance agency in Miami Beach that represents several leading insurance companies. It has been helping individuals and families protect their homes and assets for decades. This agency assists clients in selecting home insurance with the right coverage and monitors the marketplace for great value. The professionals at this agency also craft insurance plans for those who want to purchase auto, commercial, motorcycle, and boat insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (158)
Yelp
4.5 / 5 (7)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
South Beach Insurance Agency logo
Visit WebsiteWebsite

South Beach Insurance Agency

710 West 51st Street, Miami Beach, FL 33240
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

South Beach Insurance is a full-service insurance agency serving homeowners, auto, property, and casualties insurance services in the Miami Beach area. It has been offering insurance products and solutions to Floridians for over 25 years. It provides custom-tailored homeowners' insurance policies for various kinds of homeowners, including traditional homeowners, renters, and condominium owners. Coverage for dwelling fire disasters, mold, and sinkholes is available as supplementary policies. Clients may request quotes via the agency website. Other insurance products, such as commercial, life, auto, and recreational insurance policies, are available as well. The agency fax number is 305-356-5796.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
We Insure Miami Beach logo
Visit WebsiteWebsite

We Insure Miami Beach

429 Lenox Avenue, Miami Beach, FL 33139
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood

Business Description

We Insure Miami Beach is a local provider of property, vehicle, and business lines of insurance. One of its main products is homeowners' insurance, which protects a client's dwelling, unattached structures, and personal property against fire, natural disasters, power surges, theft, and non-flood-induced water damage. Its agents offer a separate policy for flood coverage. Additionally, the firm has related products for renters' and condo insurance. The owner, Romina Saaeid, is an experienced broker who can converse in English, Spanish, Italian, and Portuguese.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs