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2025

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Best Homeowners Insurance Agencies in Miami Beach, FL

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Beach 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.

60Reviewed

39Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

761 West 41st Street, Miami Beach, FL 33140

Expertise.com Rating

Review Sources

Google
5.0 (96)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

11098 Biscayne Boulevard, Miami, FL 33161

Expertise.com Rating

Review Sources

Google
5.0 (215)
Yelp
4.0 (19)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

1370 West Flagler Street, Miami, FL 33135

Expertise.com Rating

Review Sources

Google
4.7 (158)
Yelp
4.5 (7)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Renter's Insurance
  • Flood
  • Earthquake

1666 John F Kennedy Causeway, North Bay Village, FL 33141

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (8)

Why choose this provider?

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.

  • Personal Property Insurance
  • Multiple Policy Types

710 West 51st Street, Miami Beach, FL 33240

Expertise.com Rating

Review Sources

Google
4.5 (6)
Yelp
4.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

429 Lenox Avenue, Miami Beach, FL 33139

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Renter's Insurance
  • Flood

1880 Northeast 163rd Street, North Miami Beach, FL 33162

Expertise.com Rating

Review Sources

Google
4.7 (90)
Yelp
4.0 (5)

Why choose this provider?

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.

  • Multiple Policy Types

1241 Southwest 27th Avenue, Miami, FL 33135

Expertise.com Rating

Review Sources

Facebook
5.0 (26)

Why choose this provider?

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.

  • Renter's Insurance
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Oscar Martinez - UniVista Insurance Agent
761 West 41st Street, Miami Beach, FL 33140
Rovner & Company, LLC
11098 Biscayne Boulevard, Miami, FL 33161
SOL Insurance Agency
1370 West Flagler Street, Miami, FL 33135
AllStar Insurance Services
1666 John F Kennedy Causeway, North Bay Village, FL 33141
South Beach Insurance Agency
710 West 51st Street, Miami Beach, FL 33240
We Insure Miami Beach
429 Lenox Avenue, Miami Beach, FL 33139
Assure-Us
1880 Northeast 163rd Street, North Miami Beach, FL 33162
E & L Insurance Services, Inc.
1241 Southwest 27th Avenue, Miami, FL 33135

Miami Beach, FL Homeowners Insurance Agency FAQs

  • How much does it cost to insure a home in Miami Beach?

    To insure a home in Miami Beach an owner typically has to pay $6,597 on average for a house worth $150,000, $11,421 for one worth $300,000, and $15,280 for a place valued at $450,000. This is more expensive than the rest of the nation, as the state is prone to natural phenomena like strong winds.

  • Why are homes built before 2001 in Miami Beach more expensive to insure?

    In Miami Beach, homes built before 2001 are more expensive to insure because there was legislation put in place in that year that raised building quality standards. There is a perception that the older art-deco homes built prior to the run of the century are thus more vulnerable to severe weather phenomena like hurricanes.

  • Which homeowners' insurance company in Miami Beach and the county offers the lowest rates to those with a prior history of claims?

    If a homeowner in Miami Beach has a history of claims, the companies in the county that have the lowest rates from least to most expensive are Security First Insurance, Chubb, Tower Hill, State Farm, and Universal Property. Assurance firms typically charge more for those who make a lot of claims since there is an elevated chance of paying out money.

  • What are the typical optional coverages in homeowners' insurance policies offered in Miami Beach?

    The typical homeowners' insurance policies in Miami Beach have options for water backup incidents in case the plumbing is damaged and leaks into the house. Flood options are available in case of natural phenomena and there are also companies that have identity theft protection in case of fraudulent schemes.

  • What factors lead to homeowners' insurance discounts in Miami Beach?

    In Miami Beach and the rest of the county, insurers will discount a home if the property is a newly constructed one and the applicants are new homebuyers. These dwellings are usually aged a year or less. One may also receive discounts from bundling multiple plans from a single carrier.

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