Miami insurance
Insurance guidance for Miami property owners.
Practical help for Miami homes, condos, luxury properties, rental investments, autos, boats and umbrella liability.
Local insurance perspective
Start with the building, the water exposure and the way the property is used.
Miami insurance decisions often involve more than the home policy. Flood coverage, condominium master-policy gaps, water damage controls and adequate rebuilding cost can all affect the final recommendation.
What deserves attention
High-rise units, older single-family neighborhoods, new luxury construction and rental properties create very different underwriting files even when they share the same ZIP code.
Two Miami condos in neighboring buildings can need different HO6 limits because their association documents, deductibles, interior responsibilities and loss assessment exposure are not the same.
Communities served
Brickell, Downtown Miami, Coconut Grove, Edgewater, Coral Way and surrounding Miami neighborhoods.