Bell & Lyons Insurance Brokers
20515 E Country Club Dr, Aventura, FL 33180
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Aventura households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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20515 E Country Club Dr, Aventura, FL 33180
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20200 West Dixie Hwy, Ste. 902, Aventura, FL 33180
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20801 Biscayne Blvd, Suite 800, Aventura, FL 33180
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18901 NE 29th Ave, Aventura, FL 33180
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2875 NE 191st Street, Suite 702B, Aventura, FL 33180
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19790 W Dixie Hwy Suite, #1004, Aventura, FL 33180
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15807 Biscayne Blvd, Ste 205, Aventura, FL 33160
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18305 Biscayne Blvd, Suite 218, Aventura, FL 33160
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Learn about insurance coverage options specific to Aventura residents.
Aventura home insurance costs $5,000-$8,000/year for coastal properties. Learn about HO-6 condo policies, flood coverage, and hurricane discounts.
Car InsuranceAventura drivers need $10K PIP + $10K PDL under Florida's no-fault system. Average cost: $230/month. Major changes coming 2026. Get the coverage you need.
General Insurance EducationComplete insurance guide for Aventura, FL residents. Learn about condo, flood, and auto insurance costs, requirements, and savings in this Miami-Dade community.
Aventura homeowners typically pay between $5,000 and $8,000 annually for home insurance, significantly higher than Florida's state average of $5,700. Condo owners with HO-6 policies pay less, averaging around $2,667 per year in Miami-Dade County. Waterfront properties and luxury homes can cost substantially more due to increased hurricane and flood risk.
Most high-rise condo owners on upper floors don't need individual flood insurance because the condo association's master flood policy covers all units. However, you should verify this with your condo board and review the association's master policy. Ground-level units or buildings in high-risk flood zones may have different requirements.
HO-6 policies are specifically designed for condo owners and cover only what's inside your unit—personal property, interior improvements, and personal liability. The condo association's master policy covers the building structure, roof, and common areas. Regular homeowners insurance (HO-3) covers the entire structure and is used for single-family homes.
Yes, you can save significantly through hurricane mitigation features like impact windows (10-45% discount), bundling home and auto insurance (15-25% savings), and increasing your deductible. A wind mitigation inspection costs $75-$150 but can prove your home meets building codes and qualify you for substantial discounts. Buildings constructed after Hurricane Andrew with reinforced features often get better rates.
The 2024 hurricane season saw devastating losses from Hurricanes Helene and Milton, which caused over $40 billion in combined insured losses. Florida's coastal location and escalating hurricane risks from climate change have driven up reinsurance costs. However, 2025 forecasts show rate stabilization with some barrier island properties seeing decreases up to 25% as new insurers enter the market.
If you're unable to secure coverage in the private market, you can apply for coverage through Citizens Property Insurance, Florida's state-backed insurer of last resort. While Citizens approved rate increases for 2025, they're capped at 14% maximum with primary residences averaging 6.6% increases. Citizens provides essential coverage but should be your backup option after exhausting private market alternatives.
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