Adavi Insurance
4526 NW 183rd St, Miami Gardens, FL 33055
View this agency's profile to learn more about their services.
Loading...
City directory
Miami Gardens 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.
4526 NW 183rd St, Miami Gardens, FL 33055
View this agency's profile to learn more about their services.
18191 NW 68th Ave, Suite 215, Miami Gardens, FL 33015
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Miami Gardens residents.
Complete insurance guide for Miami Gardens covering auto rates, hurricane coverage, flood protection, and local agents. Get the coverage Miami-Dade requires.
Home InsuranceMiami Gardens homeowners pay $6K-$11K yearly for insurance. Learn about hurricane deductibles, flood coverage, and ways to save on South Florida premiums.
Car InsuranceMiami Gardens auto insurance costs $230/month average. Learn current requirements, major July 2026 changes eliminating PIP, and how to save on coverage.
Miami Gardens has higher auto insurance rates due to several factors: high traffic density from proximity to major highways like I-95 and the Turnpike, above-average accident rates, elevated auto theft rates, and a significant percentage of uninsured drivers in South Florida. Your specific rate also depends on your neighborhood within Miami Gardens, as some ZIP codes are considered higher risk than others.
Yes, absolutely. Standard homeowners insurance policies in Florida exclude wind damage from hurricanes, which is the most likely cause of major property damage in Miami Gardens. If you have a mortgage, your lender will require windstorm coverage. Even if you own your home outright, going without this coverage means you'd pay out of pocket for potentially catastrophic hurricane damage.
The most effective way is getting a wind mitigation inspection to document hurricane-resistant features like impact windows, reinforced roof attachments, and opening protections—this can reduce premiums by 20-45%. Other strategies include bundling auto and home insurance, increasing your deductible, maintaining good credit, and installing security systems or smart home devices that qualify for discounts.
Yes, flood insurance is highly recommended in Miami Gardens regardless of FEMA designation. South Florida's low elevation and intense summer rainfall create significant flooding risk from street flooding and water intrusion. A standard flood policy costs $400-$700 annually and covers damage that homeowners insurance explicitly excludes. Remember, it takes 30 days for coverage to become active.
Local agents understand Florida's complex insurance market, know which carriers are currently writing policies in Miami Gardens, can shop multiple companies simultaneously, and understand Miami-Dade County's specific requirements. They can also help you navigate claims, find discounts that automated systems miss, and properly structure coverage for your specific property and circumstances in ways that 1-800 numbers and websites simply cannot.
Florida's minimum requirements ($10,000 PIP and $10,000 property damage) are dangerously inadequate. You should carry at least $100,000/$300,000 bodily injury liability, $50,000 property damage, uninsured motorist coverage, and consider umbrella insurance for an extra $1-$2 million in liability protection. This comprehensive approach protects your assets and future earnings in case of a serious accident.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network