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Home Owners Insurance Companies in Miami Florida

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Andy's Assurance Agencies
Phone: (305) 642-8407
1441 W Flagler St Miami, FL 33135

Top Insurance Group DBA Allstate
Phone: (305) 573-6311
3050 Biscayne Blvd, Ste 610 Miami, FL 33137

Allstate Insurance Company - George A Oyarzun
Phone: (305) 754-0002
8703 Biscayne Boulevard Miami Shores, FL 33138

Florida Trust Insurance
Phone: (305) 883-8488
9090 Nw S River Dr Miami, FL 33166

Florida Trust Insurance is one of the largest independent insurance agencies in South Florida. We provide personal lines and homeownwers insurance. As an independent agency, we can shop your coverage needs with hundreds of companies to come up with the best value for you. We have been operating in South Florida since 1996.

Mediterrian HOA
Phone: (305) 774-0113
2900 Center Street Miami, FL 33133

Homeowners' & Renters' Insurance

Dennis R Burgess Insurance
Phone: (305) 445-2441
6 Palermo Avenue Miami, FL 33134

Insurance Guy Inc
Phone: (305) 668-7100
4928 S Le Jeune Road Miami, FL 33146

Everyone knows homeowners’ insurance is difficult to come by in post-Andrew, and now post-Wilma South Florida. Well, stop looking; The Insurance Guy, Inc. can offer competitive homeowners’ rates no matter where you live in Florida.

A R C Insurance Consultants Inc
Phone: (305) 447-8377
1800 SW 27th Ave Miami, FL 33145

Delia Izquierdo Insurance Company
Phone: (305) 442-2182
34 Giralda Avenue Miami, FL 33134

Clarion Claims Services Inc.
Phone: (305) 668-0755
1825 Ponce De Leon Boulevard Suite 410 Miami, FL 33134


What is Homeowners Insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, storms and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Can I own a home without homeowners insurance?
Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That’s because lenders need to protect their investment in your home in case your house burns down or is badly damaged by a storm, tornado or other disaster.

If you live in an area that is likely to flood, the bank will also require you to purchase flood insurance. Some financial institutions may also require earthquake coverage if you live in a region vulnerable to earthquakes. If you buy a co-op or condominium, your board will probably require you to buy homeowners insurance.

After your mortgage is paid off, no one will force you to buy homeowners insurance. But it is not advisable to cancel your policy and risk losing what you’ve invested in your home.

What is in a standard homeowners insurance policy?
A standard homeowners insurance policy includes four essential types of coverage. They include:

Coverage for the structure of your home.
Coverage for your personal belongings.
Liability protection.
Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

 

 



 


Florida Brasil.com Disclaimer:

Florida Brasil.com insurance page is not responsible for any kind of home insurance company quote and rates. We just advertise their services, nothing else. Florida Brasil does not offer any kind of insurance plan and we have no relationship with our advertisers. Please before you decide to get an apartment insurance, home insurance, car insurance or any kind of insurance, research for the best insurance company on the market.

We advertise the following location in Florida: Miami Dade (Miami, North Miami, Miami Beach, Kendall, Aventura,South Beach, Downtown Miami) Broward (Fort Lauderdale, Pembroke Pines, Miramar, Pompano Beach) Deerfield Beach, Boca Raton e West Palm Beach.Orlando e Tampa.

 

 


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