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Best Homeowners Insurance Agencies in Miami

2024

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Website
7901 NW 2nd St, Miami, FL 33126
  • Renter's Insurance

Why choose this provider?

Safe Insurance Group is an independent company that offers services to individuals, families, and businesses in Miami and the surrounding communities. It provides homeowners' plans that cover various hazards, such as theft, fire, structural damage, and accidents on the property. It also protects policyholders from liability exposures in situations that may result in lawsuits. Additionally, its team furnishes other policies, like renters', auto, health, and life insurance. Safe Insurance Group has been managing risks for clients for over 30 years.

License Verified:

License: R000511

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.
4.5
Google
4.2 / 5 (31)
Facebook
4.9 / 5 (17)

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
717 Ponce de Leon Blvd Suite 211, Coral Gables, FL 33134
  • Multiple Policy Types

Why choose this provider?

Mike Carcas is an insurance agent who has been serving individuals, families, and businesses in Miami and the neighboring communities since 2006. He offers homeowners' plans and assists in claiming compensation to recover from financial loss caused by various dangers like fire, hurricanes, and break-ins. He also furnishes policies that cover renters, boats, and automobiles. Carcas helps clients in selecting coverage options from different carriers, like National General, Travelers, and Progressive. He works under Great Florida Insurance, an independent company with 127 state-wide locations.

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 (102)
Facebook
5.0 / 5 (25)
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

Website
124 Madeira Ave, Coral Gables, FL 33134
  • Multiple Policy Types

Why choose this provider?

For more than a decade, Gables Elite Insurance has been offering various policies to clients in Miami. Its team helps homeowners who want financial protection for their properties. The company's home insurance covers damage from fires or storms, along with stolen personal items and injuries that occur inside the residence. It also provides policies for condos and vehicles like cars, motorcycles, and boats. Businesses can get insurance for vehicle fleets, workers' compensation claims, and general liability suits.

License Verified:

License: R006516

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.
5.0
Google
5.0 / 5 (43)

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
2901 SW 8th St, Miami, FL 33135
  • Renter's Insurance

Why choose this provider?

We Insure Miami is an agency serving residents of the metro. It offers home insurance from various trusted carriers to clients seeking protection for their dwelling and personal properties. Its policy covers medical payments, personal liability, loss of use, and structures not attached to the house, such as sheds and fences. In addition, its agents help clients understand their choices for flood, renters', and condo insurance. We Insure Miami also assists businesses in acquiring comprehensive policies for their commercial properties.

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

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
142 Beacom Blvd. suite B, Miami, FL 33135
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

LRB Insurance & Finance Solutions is a financial services company that caters to clients' needs in Miami and the nearby metros. The firm offers homeowners' insurance that can protect policyholders from financial losses in the event of natural and manmade disasters. The independent insurance agency is partnered with dozens of insurance companies to provide various coverage options for property damages, personal belongings, and personal liability. The company specializes in both personal and commercial lines and can provide its services in Spanish.

License Verified:

License: L057125

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.
5.0
Google
5.0 / 5 (9)

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
7229 Coral Way, Miami, FL 33155
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Eguino & Associates Insurance Agency Inc. is an independent agency serving residents in Miami, Florida, and the surrounding area. Protecting clients' homes is one area of Equino's expertise. By working with a variety of carriers, agents are able to secure the policy that best suits each homeowner's needs. Some of the options available include coverage for theft and vandalism, fire and weather damage, and temporary living expenses when the home is uninhabitable.

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 (13)

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
1441 W. Flagler St., Miami, FL 33135
  • Fire
  • Flood

Why choose this provider?

Andy's Assurance Agency is a local insurance company that serves clients in Miami. The firm assists clients in selecting the right homeowners' insurance plan that will provide adequate protection for their homes and personal possessions against natural calamities. The team specializes in supplementary coverage for homeowners, including flood, windstorm, fire, and personal liability coverages. The firm also offers auto and commercial insurance. Serving people and businesses for over 50 years, the business also caters to Spanish-speaking communities.

License Verified:

License: L011243

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 (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

Website
2301 NW 7th St Suite C, Miami, FL 33125
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Mendez Barato Insurance offers customers in Miami and nearby areas the peace of mind and protection they need through its various insurance programs. The agency assists homeowners in providing an insurance plan that protects their homes and belongings. The coverage programs can be tailored based on the clients' budget, goals, and needs. Other insurance plans offered include car and commercial insurance. Mendez Barato Insurance also caters to Spanish-speaking clients and has 24/7 customer service.

License Verified:

License: L104643

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.
4.4
Google
4.0 / 5 (4)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2350 SW 27th Avenue Suite 104, Miami, FL 33145
  • Homeowners

Why choose this provider?

Iris Lopez is a State Farm insurance professional based in Miami. The English- and Spanish-speaking agent writes various policies, including homeowners' insurance, which reimburses losses resulting from artificially generated electrical current, HVAC system tears, and natural causes involving hail, lightning, and snow. She also provides protection plans that package home and car insurance together. The longtime Miami resident, who also offers renters', life, and business insurance, has been providing risk management solutions through State Farm since 1997.

License Verified:

License: A158366

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.
4.4
Google
4.4 / 5 (29)
Yelp
4.5 / 5 (6)

Website
4928 S Le Jeune Rd, Coral Gables, FL 33146
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

The Insurance Guy, founded in 2007, is an independent insurance agency in Coral Gables, Florida, that sells home insurance for the Miami metropolitan area. It offers home insurance to homeowners and provides special protection for real estate investors, mortgage brokers, title companies, and Realtors. The agency also offers auto insurance and commercial insurance through multiple carriers, ensuring their customers get the best price and coverage on their 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.
4.9
Google
4.9 / 5 (70)
Facebook
5.0 / 5 (7)

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
Grand Avenue #624, Coconut Grove, FL 33133
  • Flood

Why choose this provider?

Moure Insurance serves individuals and families in Miami and the neighboring areas. It offers homeowners' insurance plans that protect policyholders from financial loss when replacing personal property and repairing physical dwellings damaged by natural disasters. In addition, it handles a wide variety of insurance products, writing policies for owners of condominiums and commercial properties and assisting individuals in claiming workers' compensation benefits. Moure Insurance is a member of the Florida Association of Insurance Agents. It also caters to Spanish-speaking clients.

License Verified:

License: L098237

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.
5.0
Google
5.0 / 5 (9)

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
14380 SW 139 Ct., Miami, FL 33186
  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Pini Insurance is a family-owned agency that caters to clients in Miami and the surrounding areas. Its insurance specialists write policies from over 50 carriers that insure valuable properties, like homes, from covered events. Under homeowners’ insurance, policyholders obtain financial security against property damage and lost contents, medical costs, and liability. In addition, clients are offered separate flood and earthquake damage coverage along with their home policies. Pini Insurance has been in the industry for more than 25 years.

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.
4.3
Google
4.2 / 5 (50)
Facebook
4.5 / 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
217 Aragon Ave, Coral Gables, FL 33134
  • Multiple Policy Types

Why choose this provider?

RA Brandon & Company is an independent insurance agency that has been providing protection coverage for individuals, families, and businesses in Miami since 1960. It helps clients choose the homeowners' insurance policy that offers protection for the property and family's possessions. This type of coverage includes compensation for living expenses, reconstruction costs, and the replacement of jewelry and stolen valuables. The agency also caters to the vehicle and business insurance needs of the customers, giving them access to multiple carriers.

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
Facebook
4.7 / 5 (14)
Google
5.0 / 5 (12)

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.
2.5
Responsiveness
Friendliness
Helpfulness
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Detail
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Website
8000 N.W. 7th Street Suite 202, Miami, FL 33126
  • Multiple Policy Types

Why choose this provider?

Acosta Insurance Group is an independent agency that delivers home insurance policies to property owners in Miami and the surrounding communities. Its homeowners' insurance includes liability protection and medical coverage for injured guests, reimbursements for repairs and losses in the event of vandalism or theft, and financial protection when the property is damaged by fire or natural disaster. The agency also provides business and commercial insurance policies that cover builders' risk, workers' compensation, and liquor liability.

License Verified:

License: L067562

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.
5.0
Google
5.0 / 5 (3)
Yelp
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

Website
6862 W Flagler St, Miami, FL 33144
  • Homeowners

Why choose this provider?

Florida Insurance Group of Miami serves families and individuals in the local metro. It offers a selection of personal insurance policies, helping clients acquire homeowners' plans. The company aims to protect policyholders and their investment properties and collectible items through its personalized insurance coverages. Its specialists also deal with car, health, flood, and general liability insurance. Florida Insurance Group of Miami is an independent agency representing multiple carriers, including GeoVera Insurance, Citizens, and Ascendant Insurance Solutions.

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 (2)

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
2730 SW 3rd Ave #202 Office H, Miami, FL 33129
  • Multiple Policy Types

Why choose this provider?

The Wendy Marmol Agency serves clients throughout Miami and nearby areas. It helps clients obtain adequate homeowners' insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their homes. Likewise, the agency can arrange for additional liability coverage to provide the policyholder with financial protection in case a person gets injured on their premises. In addition to home insurance, the agency offers commercial, auto, life, and personal umbrella 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.
5.0
Google
5.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
18071 S Dixie Hwy, Miami, FL 33157
  • Multiple Carriers
  • Personal Property Insurance

Why choose this provider?

All Motors Insurance is a family-owned and family-operated agency that caters to clients in Miami. The second-generation business opened its doors to the community in 1969, providing homeowners', auto, recreational vehicle, and commercial insurance. These policies are designed to protect the client's assets. Its agents educate policyholders on the value of their coverage and work with various national carriers to find the options that fit them best. These carriers include Bristol West, Progressive, Foremost, Renaissance, National General, and Kemper Auto.

License Verified:

License: R027200

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
Facebook
5.0 / 5 (10)
Google
4.5 / 5 (4)
Yelp
5.0 / 5 (2)

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
801 West 48th Street, Hialeah, FL 33012
  • Condos
  • Flood

Why choose this provider?

LP Insurance Associates Inc. is a company offering homeowners insurance policies to clients in the greater Miami area. This agency helps individuals select homeowners insurance plans and understand the details of their coverage. It represents various insurance carriers, such as Progressive, Windhaven, and Florida Family Insurance and its team can also set clients up with supplemental flooding insurance policies. Additionally, LP Insurance Associates offers condominium, boat, and auto 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.
5.0

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
932 SW 67 Ave, Miami, FL 33144
  • Homeowners

Why choose this provider?

Alhambra Insurance Agency provides a wide range of insurance products for individuals and businesses throughout the Miami area. It offers various types of homeowners' insurance plans that cover theft and property damage. It also provides car, motorcycle, and recreational vehicle insurance policies, building insurance plans, and health insurance. This insurance agency carries insurance policies from multiple providers, including Lloyd's Kemper, Universal Property & Casualty Insurance Company, and Heritage Insurance. The company has an office in Hialeah.

License Verified:

License: L091101

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.
4.5
Facebook
4.7 / 5 (23)
Google
4.1 / 5 (9)

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

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 is the purpose of having homeowners' insurance in Miami?

    Homeowners' insurance in Miami serves several purposes, including:

    • Providing liability and medical coverage if a guest sustains injury in your home.
    • Covering replacement or restoration costs in the event of fire or natural disasters.
    • Offering reimbursement for vandalism or theft, including repair expenses.
    • Meeting your lender's insurance requirement if you're still in the process of paying off your home.
  • What are some products in Miami that can lower the expenses of homeowners' insurance?

    Many Miami insurers offer premium discounts for these three home protection products:

    • Water and climate sensors: Early warning from these sensors can prevent costly water damage, reducing the need for insurance claims and ultimately lowering homeowners' insurance rates.
    • Home security system: Installing motion sensors and camera-equipped home security systems can lower your homeowners' insurance premium.
    • Third nail installation: Strengthening roof-to-wall connectors with a third nail can earn you the "clips" discount, significantly reducing your homeowners' insurance costs.
  • When should you obtain homeowners' insurance in Miami?

    Your lender will usually insist on you obtaining homeowners' insurance in Miami if your home is financed with a mortgage. When budgeting for a property purchase, factor in the cost of this insurance as part of your housing expenses. Also, note that buying insurance during a hurricane is often impossible, as sales are halted up to 24 hours before a hurricane and for several days thereafter. If you require homeowners' insurance by a specific date, especially during Florida's hurricane season, act promptly.

  • Why was your insurance provider unable to refund your complete premium following the cancellation of your homeowners' insurance policy in Miami?

    It may be specified in the policy that you originally agreed to. This is why when evaluating prospective homeowners' insurance policies in Miami, it's essential to ask about any financial consequences associated with prematurely ending your coverage. Certain policies may come with specific requirements, such as paying the entire premium upon issuance or maintaining a minimum premium even if you decide to cancel early. Additionally, many insurance providers impose a "short-term" fee if you change insurers before your policy term ends.

  • In Miami, should you purchase flood insurance?

    Purchasing a dedicated flood insurance policy is advisable, especially if you reside in a flood-prone area in Miami, since most standard homeowners' insurance policies typically do not cover flood damage. Flood insurance provides protection for expenses related to clearing debris, repairing structural and mechanical damage, restoring flooring (such as tiles and carpets), and addressing other damages resulting from floods.

  • 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.

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