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. <br>

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. <br>

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. <br>

6 Best Miami Gardens Homeowners Insurance Agencies

Adavi Insurance, Inc.

4526 Northwest 183rd Street, Miami Gardens, FL 33055

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Fire
Multiple Policy Types
Multiple Carriers

Adavi Insurance, Inc., is an independent insurance agency in Miami Gardens that offers home insurance to its clients. The company's professional agents determine which coverage best suits their clients by getting to know them and their needs. They ensure that the clients have the right coverage in their insurance policy. This coverage may include personal belongings, home repairs, and liability protection. Adavi Insurance also provides auto insurance, commercial insurance, health insurance, and life insurance.

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AJM Agencies INC.

4888 Northwest 183rd Street, Miami Gardens, FL 33055

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Fire
Flood

AJM Agencies INC. is an insurance company that caters to the personal insurance needs of homeowners and business operators in Miami Gardens and nearby areas. Through a homeowners' insurance policy, the firm assists individuals and families in securing proper compensation for home damages and personal property losses resulting from disastrous events. The plan also protects homeowners against liability lawsuits. AJM Agencies INC.'s agents compare the rates and insurance inclusions of several carriers. Other offerings include auto, life and health, as well as commercial insurance plans.

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GEFS Insurance and Tax Services

5881 Northwest 151st Street, Miami Lakes, FL 33014

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Renter's Insurance

GEFS Insurance and Tax Services is an independent insurance agency that has been serving the insurance needs of residents in Miami Gardens for more than two decades. The agency provides a homeowners' insurance policy that protects the client's home and belongings from various risks. The policy has a dwelling coverage that replaces the structure with similar construction and materials. It also gives protection to the client’s personal property, such as appliances, furniture, and clothing.

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Hancy's Insurance Agency

18830 Northwest 51st Avenue, Miami Gardens, FL 33055

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Renter's Insurance
Multiple Policy Types

Hancy's Insurance Agency provides the area of Miami Gardens with insurance policies. Its owner and principal agent, Hancy Laudny, has been in the insurance industry for four years. She specializes in homeowners' insurance, auto insurance, health insurance, Medicare insurance, and life insurance. The agency's homeowners' insurance covers the rebuilding cost of the home in case something worse happens. It also covers the contents of the home with additional living expenses brought by fire, natural disasters, or burglary.

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Marien Insurance

370 West 49th Street, Hialeah, FL 33012

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Personal Property Insurance
Multiple Policy Types

Marien Insurance is an insurance agency serving the grater Miami Gardens area. This company is dedicated to helping clients find homeowners insurance policies that match their needs and budgets. Its team maintains knowledge of state requirements for coverage and it recommends supplemental policies for severe environmental events, such as earthquakes and floods, when appropriate. In addition to homeowners insurance, Marien Insurance can assist clients with obtaining life, business, and auto insurance.

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Pandora Insurance

3520 West 18th Avenue, Hialeah, FL 33012

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Flood
Multiple Policy Types

Pandora Insurance is a company offering individuals in the Miami Garden area homeowners insurance policies. This agency's insurance specialists are able to help clients determine the amount of coverage needed based on their home's location and value. In certain cases, they can also find clients policies with coverage for flooding events. Additionally, Pandora Insurance secures special coverage for condominiums and older homes. The company also offers policies for cars and motorcycles.

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Best Homeowners Insurance Agencies in Miami Gardens

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Homeowners Insurance Agencies FAQs

Adavi Insurance, Inc.

AJM Agencies INC.

GEFS Insurance and Tax Services

Hancy's Insurance Agency

Marien Insurance

Pandora Insurance

Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

Q: What should a homeowners\' insurance include/cover?

Q: How frequent should one change auto or homeowners\' insurance to another provider?

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