Miami Beach Homeowners Insurance

Find the Right Miami Beach, FL Homeowners Insurance

Beautiful home in the heart of the city on the Miami waterfront.

Miami Beach, FL was recognized as the “Sexiest Beach in the World” by Travel Channel. This beachfront city offers inviting oceanfront shops and restaurants, unforgettable nightlife, and some of the most breathtaking scenery on the Florida coast. The only real downfall to living in Miami Beach is the constant threat of tropical storms and hurricanes. As a homeowner, make sure you’re prepared by investing in the best Miami Beach home insurance. Trusted Choice® independent insurance agents take the guesswork out of shopping for homeowners insurance. Our experienced agents will answer your questions, and help you find the best coverage options and get the best rates on a comprehensive home insurance plan.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the US

If you own a home in The Sunshine State, you can expect to pay a little more than the national average for homeowners insurance. Keep in mind that your premiums can vary dramatically depending on where your home is located in Miami Beach. Waterfront properties always have higher rates, along with houses that have an extensive history of previous claims.

Miami Beach Second Home and Vacation Home Insurance

Miami Beach is one of Florida’s premier tourist destinations, making it a perfect place to invest in a second home or vacation property. Owning a vacation home delivers a lot of perks, but it also brings some challenges with property maintenance. Trusted Choice independent insurance agents can help you select a home insurance plan that protects investment properties from common problems like property damage and theft.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

If you’re worried about burglaries, you’re not alone. Most Miami Beach homeowners are constantly on the alert for suspicious activity, since there is a never-ending flow of tourists coming and going through the city. The best way to protect your home is by choosing a comprehensive homeowners insurance plan. Then if your home is targeted by a burglar, you can file a claim and then receive compensation to replace your stolen valuables.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • 1 in 15 insured homes has a claim each year

Florida’s beautiful coastal weather is one of the main selling points for homeowners, but the proximity to the water is also the biggest property threat. Each year, Florida faces a high risk of hurricanes and tropical storms. Flooding, tornadoes and even fires are all part of the package when you live in Florida. That’s why it’s crucial to choose a reliable homeowners insurance policy to protect your home investment.

What Are the Risks in Miami Beach?

Miami Beach is a prime target for hurricanes, with 71 on record since 1930. The city has also seen its share of flooding and tropical storms. Much of this is to be expected in any coastal setting, but Miami Beach has been hit particularly hard by hurricanes over the past few decades.

Compare Miami Beach Home Insurance Quotes

Choosing the best home insurance for your property in Miami Beach should be a priority. You just can’t afford to skimp when it comes to protecting your home against uncontrollable threats like burglaries and property damage. Trusted Choice independent insurance agents can help you find affordable rates on homeowners insurance in Miami Beach. Our agents offer quotes on multiple policies, giving you an opportunity to preview the cost and benefits of each plan before you select the one that will safeguard your home. Contact a Trusted Choice agent today to get your free customized quote on Miami Beach homeowners insurance.

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