Home Insurance Miami FL is a full service agency that enjoys a reputation for excellence in meeting the insurance needs of our customers. Home Insurance Miami FL qualified staff have close to 30 years of combined experience in the South Florida Area. Home Insurance Miami FL have the skills and knowledge of insurance products to help you make the best decisions when it comes to your insurance needs.
With the high cost of insurance in South Florida, it is more important than ever to make smart and informed decisions about your insurance needs. At Home Insurance Miami FL, our goal is to help assess your needs so that you can make the most informed decision possible and protect your family by purchasing quality Home, Auto and Life insurance products.
Home Insurance Miami FL are proud to represent a large array of “A” rated carriers. This allows us to offer you only the best selection of insurance products. Home Insurance Miami FL encourage you to check out our website to learn more about our people and what differentiates us from other insurance companies.
Protect your most valuable asset with insurance from our top rated providers. Home Insurance Miami FL will provide you with helpful information and support, so you can quickly and easily select a policy that meets your needs!
Homeowners Insurance can vary in the type of coverage depending on the occupancy of the property. In all cases the cost of insurance is relative to the “replacement cost” of the structure itself. The covered “Perils” can also vary depending on the type of policy in place. The three most often used homeowners policies are also known as:
HO-3: Written for the primary residence, this is the most common of homeowner’s policies and is designed to cover all aspects of the home – the structure, contents (personal property). There are generally other coverages built in to the policy and the premiums are usually based on several factors. The costs are determined by such factors as the age of the home, fire and burglary protection, size (for replacement cost), improvements and/or updates to the home.
HO-4: Known as the “renters” policy this is written specifically for a tenant of a home or apartment. The coverages are for the “renters” contents or “personal property” and can also include liability.
HO-6: Commonly known as “condominium coverage”, this policy is written for the owners of specific units in a condo building. It covers the unit itself from “dry-wall in”, floors, ceilings, fixtures and cabinetry, as well as, the contents or personal property and liability. With the addition in January 1, 2009 to the Florida Statue known as” 711.116″, all condo unit owners are required to obtain coverage for their unit and name the association on the policy as an additional interest, as well as, maintain a minimum coverage for “Loss Assessment” of $2,000 per occurrence.
The association shall require each owner to provide evidence of a currently effective policy of hazard and liability insurance upon request, but not more than once per year. Upon the failure of an owner to provide a certificate of insurance issued by an insurer approved to write such insurance in this state within 30 days after the date on which a written request is delivered, the association may purchase a policy of insurance on behalf of an owner. The cost of such a policy, together with reconstruction costs undertaken by the association but which are the responsibility of the unit owner, may be collected in the manner provided for the collection of assessments in s. 718.116.
*Such policies must include special assessment coverage of no less than $2,000 per occurrence*
With locations in Miami FL, Home Insurance Miami FL are a company of professionals who bring you expertise in all areas of insurance coverage. The Account Executives, Marketing Department, and Account Managers work as a team to tailor protection with your specific needs in mind. Home Insurance Miami FL will show you various options of coverage, limits and deductibles from which you may choose.
Home Insurance Miami FL approach to any size or type of commercial insured is that of Risk Management. Insurance is not an intangible item purchased out of desire, but out of necessity. It is purchased with the hope that it will not be needed, yet its value is only appreciated when it is. Essentially, Risk Management is a plan to organize and reduce the risks to which your business is exposed and to establish procedures to control those risks.
Since Home Insurance Miami FL represent many insurance companies, Home Insurance Miami FL can be selective in also providing you with a choice of companies. Home Insurance Miami FL will review and evaluate all major elements of your risk management program, including coverage issues, loss reviews, accounting and audits, safety issues, and special service requirements.
Call Home Insurance Miami today at 305.771.0319