A & T Insurance Brokerage Inc
800 71st St, Ste. 1, Miami Beach, FL 33141
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800 71st St, Ste. 1, Miami Beach, FL 33141
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800 71st Street, Suite 1, Miami Beach, FL 33141
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1000 5th St, # 400, Miami Beach, FL 33139
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929 Alton Rd, Ste 500, Miami Beach, FL 33139
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1000 5th St #200 V4, Miami Beach, FL 33139
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1000 5th ST, #200v4, Miami Beach, FL 33139
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1111 Lincoln Rd, Ste 500, Miami Beach, FL 33139
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Learn about insurance coverage options specific to Miami Beach residents.
Miami Beach home insurance costs jumped 322% in 2024. Learn about hurricane coverage, flood insurance requirements, and how to protect your barrier island home.
Car InsuranceMiami Beach drivers pay $238/month on average. Learn about Florida's no-fault PIP requirements, why rates are high, and how to get better coverage.
General Insurance EducationComplete Miami Beach insurance guide covering auto, home, condo, and flood coverage on this barrier island. Get costs, flood zones, and money-saving tips.
Even if you're not in a high-risk zone, flood insurance is worth considering in Miami Beach. More than 25% of flood claims come from outside high-risk areas, and 93% of Miami Beach is designated as a flood hazard area. Standard homeowners policies don't cover flooding, so one heavy rain event or storm surge could leave you with tens of thousands in uncovered damage.
Miami-Dade County saw a 322% average premium increase in 2024 due to several factors: back-to-back hurricanes causing $94 billion in damages, FEMA adding 45,000+ properties to high-risk flood zones, rising construction costs, and insurers leaving or restricting coverage in Florida. Coastal and barrier island properties like those in Miami Beach saw the steepest increases.
The master policy your HOA carries covers the building exterior, roof, common areas, and shared structures. Your HO-6 policy covers everything inside your unit—personal belongings, interior improvements, fixtures, and personal liability. You need both. The master policy is paid through HOA fees, while you purchase your HO-6 directly from an insurer.
Hurricane deductibles in Florida are typically percentage-based, usually 2% to 5% of your dwelling coverage amount. If your home is insured for $600,000 and you have a 2% hurricane deductible, you'll pay the first $12,000 of any hurricane claim. This is separate from your standard deductible and only applies to named storm events.
Absolutely. Installing impact-resistant windows, storm shutters, a fortified roof, and hurricane straps can save you 20% or more. You'll also get discounts for newer roofs (under 10 years), security systems, and wind mitigation certifications. Bundling home and auto insurance with the same carrier typically saves another 10% to 25%.
Properties in Miami Beach's Art Deco Historic District must follow strict preservation guidelines for repairs and renovations. You'll need Historic Preservation Board approval and may need to use period-appropriate materials and match original design elements. Make sure your policy includes ordinance or law coverage to pay for these extra restoration costs.
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