Coral Gables Home Insurance

What Your Coral Gables, FL Home Insurance Policy Needs

Find the right homeowners insurance policy for you.


Life moves a little slower in Coral Gables, a south Florida city with tree-lined streets and ivy-covered mansions. Residents of Coral Gables enjoy easy access to all the big city amenities of Miami, with the ability to come home to a quiet community. Living so close to the beaches and Florida canals might be a dream come true, but it also puts you at a higher risk for hurricane damage to your home. Make sure you're covered with a reliable Coral Gables home insurance policy. Our friendly Independent Insurance Agents specialize in helping Coral Gables homeowners find the best coverage options at affordable prices. 

  • National yearly premium average: $1,211
  • Florida yearly premium average: $1,433
  • 12th most expensive premium in the U.S.

When you choose to buy a home in Florida, you'll likely be faced with home insurance premiums that are higher than the national average. However, you can cut costs with help from our experienced Independent Insurance agents. Our caring agents know how to find the most affordable coverage options and specialized discounts to keep premiums low even when you live in a high-risk coastal area. 

Number of Thefts in Florida

  • National number of burglaries per 1,000 people: 3.76
  • Florida number of burglaries: 5.9

Coral Gables has a much lower crime rate than nearby cities like Miami, but burglaries are still a concern for homeowners. If you are faced with a home break-in, you'll be thankful to have comprehensive Coral Gables homeowners insurance to compensate you for stolen valuables and pay for repairs to any damaged property.

Home Insurance From an Agent You Trust


Number of Disasters in Florida

  • Number of disasters in Florida since 1953: 93
  • Number of tornadoes in Florida: 44
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Florida homeowners face a high risk for tropical storms and hurricanes that come in from the Gulf of Mexico. Each year, hurricanes cause serious damage to homes in coastal areas, so all Florida residents need the protection of reliable home insurance. Even if premiums trend on the high end of the national average, you can save thousands of dollars over the long term when your policy pays for property repairs after frequent storm systems. 

What Are the Risks in Coral Gables?

For Coral Gables homeowners, hurricanes are the biggest threat. Since 1930, there have been 67 hurricanes to cross through the city, with the most recent damaging storm being Hurricane Dorian. It only takes one storm to cause major damage to your property, so make sure you are covered with Coral Gables home insurance if you choose to live in this coastal area.

Compare Coral Gables Home Insurance Quotes

As you search for the best Coral Gables home insurance, take time to compare quotes to get the best rate. Our Independent Insurance Agents offer quotes on multiple policies so you can get a sweeping look at your options and choose a plan that offers the coverage you need at a price you can afford. 

Contact an agent to learn more about Coral Gables homeowners insurance and get your personalized quotes and coverage options. 

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