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2024

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Best Homeowners Insurance Agencies in Miami, FL

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Miami Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

252Reviewed

158Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

217 Aragon Ave, Coral Gables, FL 33134

Expertise.com Rating

Review Sources

Facebook
4.7 (14)
Google
5.0 (12)

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.

  • Multiple Policy Types

717 Ponce de Leon Blvd Suite 211, Coral Gables, FL 33134

Expertise.com Rating

Review Sources

Google
5.0 (102)
Facebook
5.0 (25)
Yelp
4.0 (5)

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.

  • Multiple Policy Types

4928 S Le Jeune Rd, Coral Gables, FL 33146

Expertise.com Rating

Review Sources

Google
4.9 (70)
Facebook
5.0 (7)

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.

  • Flood
  • Multiple Carriers
  • Personal Property Insurance

6862 W Flagler St, Miami, FL 33144

Expertise.com Rating

Review Sources

Google
5.0 (2)

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.

  • Homeowners

932 SW 67 Ave, Miami, FL 33144
WebsiteLicense: L091101

Expertise.com Rating

Review Sources

Facebook
4.7 (23)
Google
4.1 (9)

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.

  • Homeowners

124 Madeira Ave, Coral Gables, FL 33134
WebsiteLicense: R006516

Expertise.com Rating

Review Sources

Google
5.0 (43)

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.

  • Multiple Policy Types

142 Beacom Blvd. suite B, Miami, FL 33135
WebsiteLicense: L057125

Expertise.com Rating

Review Sources

Google
5.0 (9)

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.

  • Multiple Policy Types
  • Homeowners

7229 Coral Way, Miami, FL 33155

Expertise.com Rating

Review Sources

Facebook
5.0 (13)

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.

  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance

801 West 48th Street, Hialeah, FL 33012

Expertise.com Rating

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.

  • Condos
  • Flood

14380 SW 139 Ct., Miami, FL 33186

Expertise.com Rating

Review Sources

Google
4.2 (50)
Facebook
4.5 (47)

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.

  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Grand Avenue #624, Coconut Grove, FL 33133
WebsiteLicense: L098237

Expertise.com Rating

Review Sources

Google
5.0 (9)

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.

  • Flood

2350 SW 27th Avenue Suite 104, Miami, FL 33145
WebsiteLicense: A158366

Expertise.com Rating

Review Sources

Google
4.4 (29)
Yelp
4.5 (6)

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.

  • Homeowners

2901 SW 8th St, Miami, FL 33135

Expertise.com Rating

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.

  • Renter's Insurance

1441 W. Flagler St., Miami, FL 33135
WebsiteLicense: L011243

Expertise.com Rating

Review Sources

Google
4.9 (8)

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.

  • Fire
  • Flood

7901 NW 2nd St, Miami, FL 33126
WebsiteLicense: R000511

Expertise.com Rating

Review Sources

Google
4.2 (31)
Facebook
4.9 (17)

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.

  • Renter's Insurance

8000 N.W. 7th Street Suite 202, Miami, FL 33126
WebsiteLicense: L067562

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

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.

  • Multiple Policy Types

2730 SW 3rd Ave #202 Office H, Miami, FL 33129

Expertise.com Rating

Review Sources

Google
5.0 (5)

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.

  • Multiple Policy Types

18071 S Dixie Hwy, Miami, FL 33157
WebsiteLicense: R027200

Expertise.com Rating

Review Sources

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

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.

  • Multiple Carriers
  • Personal Property Insurance

2301 NW 7th St Suite C, Miami, FL 33125
WebsiteLicense: L104643

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (3)

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.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
RA Brandon & Company
217 Aragon Ave, Coral Gables, FL 33134
Mike Carcas
717 Ponce de Leon Blvd Suite 211, Coral Gables, FL 33134
The Insurance Guy
4928 S Le Jeune Rd, Coral Gables, FL 33146
Florida Insurance Group Of Miami
6862 W Flagler St, Miami, FL 33144
Alhambra Insurance Agency
932 SW 67 Ave, Miami, FL 33144
Gables Elite Insurance
124 Madeira Ave, Coral Gables, FL 33134
LRB Insurance & Finance Solutions
142 Beacom Blvd. suite B, Miami, FL 33135
Eguino & Associates Insurance Agency Inc
7229 Coral Way, Miami, FL 33155
LP Insurance Associates Inc.
801 West 48th Street, Hialeah, FL 33012
Pini Insurance
14380 SW 139 Ct., Miami, FL 33186
Moure Insurance
Grand Avenue #624, Coconut Grove, FL 33133
Iris Lopez
2350 SW 27th Avenue Suite 104, Miami, FL 33145
We Insure Miami
2901 SW 8th St, Miami, FL 33135
Andy's Assurance Agency
1441 W. Flagler St., Miami, FL 33135
Safe Insurance Group
7901 NW 2nd St, Miami, FL 33126
Acosta Insurance Group
8000 N.W. 7th Street Suite 202, Miami, FL 33126
The Wendy Marmol Agency
2730 SW 3rd Ave #202 Office H, Miami, FL 33129
All Motors Insurance
18071 S Dixie Hwy, Miami, FL 33157
Mendez Barato Insurance
2301 NW 7th St Suite C, Miami, FL 33125

FAQs

  • 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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