Allegiant Insurance Group
3191 Coral Way, Coral Gables, FL 33145
View this agency's profile to learn more about their services.
City directory
Coral Gables households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3191 Coral Way, Coral Gables, FL 33145
View this agency's profile to learn more about their services.
2100 Ponce De Leon Blvd, Suite 1045, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
124 Madeira Ave, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
4401 SW 8th St, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
217 Aragon Ave, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
1550 Madruga Ave, #330, Coral Gables, FL 33146
View this agency's profile to learn more about their services.
1550 Madruga Ave, Ste 330, Coral Gables, FL 33146
View this agency's profile to learn more about their services.
801 Madrid St, Ste 201, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
2332 Galiano St 2nd, Floor, Coral Gables, FL 33134
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Coral Gables residents.
Coral Gables homeowners pay $5,300+ annually for insurance. Learn how Mediterranean Revival homes, strict building codes, and hurricane risk affect coverage.
Car InsuranceCoral Gables drivers pay $4,389/year for auto insurance. Learn about Florida's no-fault PIP requirements, local traffic risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Coral Gables residents covering auto requirements, Mediterranean home coverage, flood protection, and cost-saving strategies.
Car InsuranceCoral Gables drivers pay $365/month average for car insurance. Learn about Florida's PIP requirements, local rates, and how to save on premiums in 2025.
Coral Gables homeowners face high premiums due to several factors: coastal location with hurricane exposure, significantly higher property values (many homes exceed $1 million), and specialized reconstruction costs required by the city's strict architectural review process. Mediterranean Revival homes often require custom materials and skilled craftspeople to maintain the city's historic character, which drives up replacement costs that insurance must cover.
Yes, you almost certainly need separate flood insurance since standard homeowners policies exclude flooding. While Coral Gables sits on higher elevation than much of Miami-Dade, portions near Biscayne Bay fall within FEMA flood zones, and heavy rainfall can cause flooding anywhere. The National Flood Insurance Program offers coverage up to $250,000 for your dwelling, with excess policies available for higher-value homes common in Coral Gables.
The Board of Architects must approve all exterior repairs before you can get building permits, which means post-hurricane repairs take longer and cost more than in cities without these requirements. Your contractor must submit plans showing that replacement materials match your home's Mediterranean Revival design, and the board meets weekly to review applications. Make sure your policy has replacement cost coverage with limits high enough to cover these specialized reconstruction costs.
Most Coral Gables policies carry a 2% hurricane deductible, though you can choose higher deductibles (5% or 10%) to reduce your premium. On a $1 million home, a 2% deductible means you pay the first $20,000 of hurricane damage yourself. Balance your deductible choice with your cash reserves—a higher deductible saves money on premiums but requires you to have substantial savings available for storm repairs.
No, rates have actually stabilized and many homeowners saw decreases in 2025 after years of dramatic increases. Citizens Property Insurance cut rates by an average of 6.3% for 73% of Miami-Dade policyholders, and private insurers are also filing rate decreases as the market recovers. Florida's 2022-2024 insurance reforms reduced litigation abuse and attracted new carriers, with over 477,000 policies moving from Citizens back to the private market since 2022.
Yes, extended replacement cost coverage is highly recommended for Coral Gables homes. This endorsement pays an additional 25-50% above your policy limit if reconstruction costs exceed your coverage, which can happen when specialized materials, architectural review requirements, and post-storm demand drive up costs. For high-value Mediterranean Revival homes with custom features, this coverage provides crucial protection against underinsurance.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network