Gongar Insurance
10393 SW 186th St 2nd, Floor, Cutler Bay, FL 33157
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10393 SW 186th St 2nd, Floor, Cutler Bay, FL 33157
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10393 SW 186th St, Cutler Bay, FL 33157
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18655 S Dixie Hwy, Cutler Bay, FL 33157
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11643 SW 216th St, Cutler Bay, FL 33190
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9445 Haitian Dr, Cutler Bay, FL 33189
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Learn about insurance coverage options specific to Cutler Bay residents.
Complete insurance guide for Cutler Bay: 35% flood insurance savings, 2026 auto law changes, homeowners coverage, and local agents in South Miami-Dade.
Home InsuranceCutler Bay home insurance averages $5,113/year. Learn about recent 14% rate cuts, flood requirements, and hurricane coverage in this Miami-Dade suburb.
Car InsuranceCutler Bay auto insurance averages $394/month. Learn Florida's no-fault PIP requirements, why rates are high, and how to save on coverage in Miami-Dade.
Cutler Bay's location in Miami-Dade County drives up homeowners insurance costs due to hurricane risk, proximity to Biscayne Bay and the Atlantic Ocean, and high property values. Miami-Dade has the second-highest home insurance rates in Florida after Monroe County. The average annual premium in Cutler Bay is about $5,113, but nearly 75% of Citizens policyholders are seeing rate reductions starting in Spring 2026.
Cutler Bay achieved Class 3 status in FEMA's Community Rating System in April 2023, making it the first municipality in Broward, Miami-Dade, and Monroe Counties to reach this level. This rating gives residents a 35% discount on flood insurance premiums, saving an average of $338 per policy. The town earned this through excellent flood mitigation efforts and proactive flood management programs.
In July 2026, Florida is eliminating its 50-year-old no-fault insurance system. Instead of the current $10,000 PIP requirement, drivers will need bodily injury liability coverage of $25,000 per person and $50,000 per accident, plus $5,000 in medical payment coverage. This shifts Florida to a traditional at-fault system where the driver who causes an accident is financially responsible for damages.
Even if you're not in a designated flood zone, flood insurance is still a smart investment in Cutler Bay. The town faces three flooding sources: tidal flooding from storms, flash flooding from heavy rain, and riverine flooding. About 25% of flood claims come from outside high-risk zones. With a 30-day waiting period before coverage starts, it's better to get it before you need it.
A wind mitigation inspection evaluates your home's ability to withstand hurricane-force winds by examining roof shape, roof-to-wall connections, roof deck attachment, and other structural features. In Cutler Bay, these inspections can result in substantial homeowners insurance discounts because they reduce your home's risk profile. Many homeowners save hundreds of dollars annually with wind mitigation credits.
Standard homeowners policies in Cutler Bay don't cover flood damage, earthquake damage, or issues from poor maintenance. You must purchase separate flood insurance (often through the National Flood Insurance Program) and earthquake coverage if desired. Homeowners policies also typically exclude hurricane storm surge, which is why flood insurance is critical in coastal areas like Cutler Bay.
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