305ins.com

Miami, FL Homeowners & Flood Insurance Specialists

Florida Home Insurance

Protect Your Miami Dream Home

Coverage in Miami, FL!

Yes, even on barrier islands.

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βœ“ Licensed Since 1966βœ“ A-Rated Carriersβœ“ Same-Day Quotesβœ“ Barrier Island Experts

Coverage Across All of Florida

From the Panhandle to the Keys β€” we protect homes in every corner of the Sunshine State.

Florida home insurance coverage - Fort Lauderdale, Orlando, Miami, Jacksonville, Miami Beach

Fort Lauderdale Β· Orlando Β· Miami Β· Jacksonville Β· Miami Beach Β· and everywhere in between

We Represent Over 50 Florida Home Insurance Carriers

Too many to list! We shop them all to find the best coverage at the best price for YOUR home.

Including carriers that specialize in barrier islands, older homes, and difficult-to-place risks.

Insuring a Home in Miami and Miami-Dade County

Miami-Dade is not a harder version of the rest of Florida β€” it is a different regime. The county sits in the High-Velocity Hurricane Zone, carries the strictest construction standards in the country, and floods in two ways most of the state never sees. Each of those shapes eligibility and price here in ways a quote from elsewhere will not.

The strictest wind code in the United States

Miami-Dade and Broward are the only two counties in Florida’s High-Velocity Hurricane Zone. Inside it, windows, doors and roofing cannot simply carry a Florida Product Approval β€” they must hold a Miami-Dade Notice of Acceptance, earned by passing three tests the rest of the state does not require: a large-missile impact test that fires a nine-pound 2x4 at the glass, a cyclic test of 9,000 pressure reversals, and a static air-pressure test. It is the toughest residential wind standard in the country, and it is why a Miami-Dade home with documented impact protection and a current roof is a genuinely different risk β€” and often a genuinely different price β€” than one without.

Opening protection is not optional here

Across most of Florida, impact glass or shutters earn a wind-mitigation credit. In the HVHZ they are effectively the baseline a carrier expects. A Miami-Dade home without protected openings is not just paying more β€” it may struggle to find terms at all, because the exposure a carrier is being asked to take on is the one the building code was specifically written to prevent. If you are buying, the Notice of Acceptance documentation on the existing windows and the roof permit history are among the first things we will want to see.

Two kinds of flooding, and one needs no storm

Homeowners policies never cover flood anywhere in Florida. In Miami-Dade there are two distinct flood exposures. The first is surge off Biscayne Bay and the Atlantic in a hurricane. The second is the one that surprises people: seasonal king tides, strongest from September through November, push seawater up through the storm drains and into low-lying streets on clear, dry days β€” nuisance flooding with no storm attached. Both argue for flood coverage well beyond the coastline, and NFIP’s 30-day waiting period means it has to be in place before the season, not during it.

If it is a condo, the master policy is half the picture

Much of Miami-Dade’s housing is condominium, and an HO-6 unit-owner policy has to coordinate with the association’s master policy β€” particularly the hurricane deductible, which the association can pass through to owners as a special assessment after a storm. Loss-assessment coverage on your HO-6 is what responds to that, but only for a covered loss, and the right limit depends on the building. We review the master policy declarations alongside your unit coverage so there is no gap between the two.

Sources: Miami-Dade County β€” Product Control (Notice of Acceptance) search Β· FEMA Flood Map Service Center β€” look up your flood zone

General information, not advice on a specific policy. Eligibility, limits and premium depend on the individual property and carrier. Call 800-616-1418 and we will review your address directly.

Why Choose Us for Your Florida Home?

Protecting Florida homeowners since 1966

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Barrier Island Coverage

Coastal, barrier islands, flood zones - we cover them.

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Older & Difficult Homes

Older roofs, unique properties - we find solutions.

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Flood Experts

Private flood options often cheaper than NFIP.

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Bundle & Save

Combine home, flood, and auto for max discounts.

Beautiful Florida home

Your Home Deserves the Best Protection

Florida's unique weather challenges - hurricanes, flooding, tropical storms - require specialized coverage. We work with multiple A-rated carriers to find you the best protection at the best price.

  • βœ“Coverage anywhere in Florida
  • βœ“Hurricane & wind coverage included
  • βœ“Replacement cost options
  • βœ“Same-day quotes available

Comprehensive Coverage Options

🏠 Homeowners Insurance

Full protection for your Florida home - from hurricanes to liability.

  • βœ“ Coverage anywhere in Florida
  • βœ“ Hurricane & wind included
  • βœ“ Replacement cost options
  • βœ“ Same-day quotes

🏒 Condo Insurance (HO6)

Protect your condo unit, personal property, and liability - even in high-rises.

  • βœ“ Unit owner coverage
  • βœ“ Loss assessment protection
  • βœ“ Personal property coverage
  • βœ“ Coastal condos welcome

🌊 Flood Insurance

Don't wait - flood insurance has a 30-day waiting period. Private options available.

  • βœ“ Private flood options
  • βœ“ Often cheaper than NFIP
  • βœ“ Higher coverage limits
  • βœ“ Faster claims processing

πŸš— Need Auto Insurance Too?

Bundle your home and auto for even bigger savings! We shop multiple carriers to find you the best rates.

Get Auto Quote at FloridAuto.com β†’
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"They found us coverage when other agents said it was impossible. Our barrier island home is finally protected, and we're paying less than we expected!"

β€” Happy Florida Homeowner

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πŸ“ž 800-616-1418