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Best Homeowners Insurance Agencies in Miami Gardens, FL

Our Recommended Top 4

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 Gardens 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

5881 Northwest 151st Street, Miami Lakes, FL 33014 Rating

Review Sources

4.9 (41)

Why choose this provider?

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.

  • Renter's Insurance

4526 Northwest 183rd Street, Miami Gardens, FL 33055 Rating

Review Sources

4.7 (7)
5.0 (3)

Why choose this provider?

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.

  • Fire
  • Multiple Policy Types
  • Multiple Carriers

3520 West 18th Avenue, Hialeah, FL 33012 Rating

Review Sources

4.5 (35)
5.0 (11)
5.0 (2)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

4888 Northwest 183rd Street, Miami Gardens, FL 33055 Rating

Review Sources

5.0 (8)
5.0 (8)

Why choose this provider?

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.

  • Fire
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
GEFS Insurance and Tax Services
5881 Northwest 151st Street, Miami Lakes, FL 33014
Adavi Insurance, Inc.
4526 Northwest 183rd Street, Miami Gardens, FL 33055
Pandora Insurance
3520 West 18th Avenue, Hialeah, FL 33012
AJM Agencies INC.
4888 Northwest 183rd Street, Miami Gardens, FL 33055


  • 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 annual average cost of homeowners' insurance in Miami Gardens, and what factors are considered for the rates?

    In Miami Gardens, the average cost of homeowners' insurance is around $1,900, which is 22% higher than the national average. It is also critical to account for specific factors when estimating homeowners insurance costs because rates vary depending on individual circumstances. Factors must be considered when calculating coverage expenses to ensure accurate estimation, as rates vary depending on the specifics of each situation.

  • Are you required to comply if an insurer in Miami Gardens requests an inspection of your property for homeowners' insurance?

    Homeowners in Miami Gardens are required to allow their insurance companies to inspect their properties. The purpose of these inspections is to identify potential hazards or threats to residents. If any issues arise, both the homeowner and their agent will be notified so that they can be addressed. If an internal review is required, the insurer works with the homeowner to determine a suitable date and time.

  • Can Miami Gardens insurance companies refuse to renew policies if there are outstanding homeowners claims?

    Non-renewal notices may be issued by insurers in Miami Gardens, but only under certain conditions. Following a declaration of emergency under Florida Statutes s. 252.36, insurers cannot refuse to renew homeowners insurance policies due to hurricane or wind damage until 90 days after repair. The structure is insurable after complete restoration. Exceptions apply with a 45-day notice if there are delays, misstatements, or policy limit payments.

  • What options do Miami Gardens homeowners have when disputing insurance claims besides litigation?

    To resolve insurance disputes, homeowners in Miami Gardens can consider mediation, arbitration, or appraisal. Mediation entails informal negotiations with the assistance of a neutral third party. Arbitration is a more structured and potentially binding process in which an arbitrator helps parties reach an agreement. Appraisal time and cost vary, with the loss amount determined by selected appraisers and an umpire. These options seek a mutual resolution of claim disagreements.

  • If you sold your home in Miami Gardens and failed to inform your insurer, can they refuse to retroactively cancel the coverage?

    Yes, if homeowners' insurance carriers in Miami Gardens are not notified in a timely manner, they may refuse to backdate a cancellation after a home's sale. Personal assets, liability, and global medical payments are typically covered by insurance. There is no Florida statute that requires insurers to backdate cancellations. As a result, homeowners should notify their insurance provider as soon as they complete a sale.

  • 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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