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Best Renter's Insurance Companies in Miami Beach

2023

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Website
1321 Alton Rd, Miami Beach, FL 33139
  • Multiple Policy Types

Why choose this provider?

Estrella Insurance #122 helps clients in Miami Beach protect their personal belongings inside their apartments through renters' insurance services. It also assists individuals in securing their loved ones and properties by applying for auto, health and life, workers' compensation, commercial, and motorcycle insurance policies. The team at the insurance company speaks English and Spanish languages. It also provides insurance services to California, Nevada, Texas, Arizona, and Colorado. Estrella Insurance #122 is also available for landlord insurance services.

License Verified:

License: P227278

Florida Division of Insurance Agent and Agency Services

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.
4.0
Google
5.0 / 5 (56)
Yelp
3.5 / 5 (3)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
15805 Biscayne Blvd. Suite 205, North Miami Beach, FL 33160
  • Multiple Policy Types

Why choose this provider?

Melissa Raposo is an insurance broker serving clients in Miami Beach and neighboring communities. She offers renters’ insurance policies covering a tenant’s personal belongings such as appliances, furniture, clothes, jewelry, and electronic systems. The policy also includes medical bills and attorney’s fees if a guest is injured within the rented property. The agent also provides insurance products for homeowners, vehicles, and businesses. Melissa is the owner of Raposo Insurance Group, an agency under GreatFlorida Insurance. She also assists Spanish-speaking clients.

License Verified:

License: E039300

Florida Division of Insurance Agent and Agency Services

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
4.8 / 5 (47)

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

Website
1444 Biscayne Blvd Suite 308, Miami, FL 33132
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Lexi Goza is an insurance professional who runs a State Farm-affiliated insurance agency that caters to clients in Miami Beach. Since its establishment in 2019, Goza's insurance firm has been offering a wide range of insurance products, including renters' policies. The renters' insurance covers policyholders' belongings, such as computers, TVs, electronics, bicycles, furniture, and clothing. These valuables can be found both inside and outside the renters' apartment, condominium, or rental house. The coverage also provides liability protection if someone is injured at the policyholders' residence.

License Verified:

License: L110296

Florida Division of Insurance Agent and Agency Services

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 (78)
Facebook
5.0 / 5 (11)

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
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Frequently Asked Questions

  • How does location affect the cost of renters' insurance in Miami Beach?

    Location in Miami Beach influences the cost of renters' insurance because it affects how risky it is for the insurer to cover the insured. A rental property in a safe neighborhood will have cheaper premiums than one in a more dangerous one. This is because the odds of theft and crime are higher in the latter setting.

  • In Miami Beach, what is the difference between actual cash value and replacement cost value in a renters' policy?

    In a Miami Beach renters' insurance policy, actual cash value refers to the present cost of a thing that is lost and due for replacement. It takes into account depreciation and will be lower than the initial purchase price of the object. Replacement cost value refers to how expensive it is to replace the lost thing with a brand-new equivalent or near-equivalent. Depreciation does not come into play.

  • How may a tenant in Miami Beach reduce the cost of renters' insurance?

    A tenant in Miami Beach may reduce the cost of renters' insurance by reducing the risk that the insurer assumes when insuring the property. This is accomplished by making the premises safer through installing security cameras and fire alarms. In addition, policyholders can save money by bundling their coverage and protecting their vehicles and other valuables under a single policy.

  • If a house in Miami Beach burns and sustains water damage, why is relying on the landlord's homeowners' policy insufficient for the tenant?

    If a house in Miami Beach burns and sustains water damage because of firefighting activity, the landlord's homeowners' policy won't be enough for the tenant. At best, it will cover the structure itself and components like the walls and flooring of the unit. The occupants' personal belongings can be covered by renters' insurance.

  • How can a renters' policy in Miami Beach help if one's residence becomes uninhabitable because of fire damage?

    A renters' policy in Miami Beach can help if a residence burns and becomes uninhabitable because of temporary living expenses coverage. This coverage reimburses the tenant’s costs associated with finding and living in a new house or a hotel should one's rental property become unfit for human occupation.

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