Tadeo Insurance Agency
8201 SW 24th St, Miami, FL 33155
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8201 SW 24th St, Miami, FL 33155
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1500 NW N River Dr, #2714, Miami, FL 33125
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2423 NW 97th Ave, Miami, FL 33172
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15190 SW 136th St, Ste 21, Miami, FL 33196
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14619 SW 56th St, Miami, FL 33175
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12001 SW 128th Ct, Unit 210, Miami, FL 33186
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9020 SW 137th Ave, Ste 250, Miami, FL 33186
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14850 SW 26th St, STE 206, Miami, FL 33185
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15715 S Dixie Hwy, Suite 229, Miami, FL 33157
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16512 SW 114th Ct, Miami, FL 33157
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Learn about insurance coverage options specific to Miami residents.
Miami-Dade homeowners pay $5,919/year on average. Learn how wind mitigation inspections, building codes, and smart coverage choices can cut your premiums.
Home InsuranceMiami homeowners pay $5,000+ annually—triple the national average. Learn why premiums are so high, how hurricane deductibles work, and strategies to save.
Car InsuranceMiami auto insurance averages $408/month. Learn about Florida's 2026 no-fault system changes, high fraud rates, and how to save on coverage.
Car InsuranceMiami drivers pay $3,287-$6,018/year for car insurance. Learn why rates are high, how hurricane risk and traffic affect costs, and ways to save 15-30%.
Renters InsuranceMiami renters pay $38/month on average. Learn about flood risks, theft protection, landlord requirements, and how to save on coverage in 2025.
Car InsuranceMiami drivers pay $3,345-$5,893/year for car insurance due to fraud, theft, and congestion. Learn Florida's PIP requirements and how to save money.
Miami-Dade is the highest-risk county in the U.S. for hurricane damage, with coastal exposure, storm surge zones, and extreme wind speeds driving premiums to an average of $5,919 annually. Insurers face projected losses of nearly $1 billion per year by 2050, which is reflected in your rates. Older homes without modern wind-resistant features pay even more.
A wind mitigation inspection evaluates your home's hurricane-resistant features—like roof attachments, impact windows, and opening protections—and documents them on a standardized form for your insurer. Most Miami-Dade homeowners who complete this inspection see premium discounts of 40-50%, often saving thousands of dollars annually. The inspection costs a few hundred dollars and is valid for five years.
Yes. Standard homeowners policies in Miami-Dade cover wind damage from hurricanes but exclude flooding from storm surge or heavy rainfall. You need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Since flooding causes most catastrophic hurricane damage in coastal areas, flood coverage is essential for complete protection.
Miami-Dade enforces stricter building codes than the rest of Florida, requiring all construction products to earn a Notice of Acceptance proving they've been tested for wind pressure and impact resistance. Homes within one mile of the coast must have impact-resistant windows or hurricane shutters rated for 130-180 mph winds. Meeting these standards can significantly reduce your insurance premiums.
Most standard policies only cover the replacement cost of damaged materials, not the additional expense of meeting updated building codes. If your roof is destroyed and new code requires upgraded materials, you could pay the difference out of pocket. Look for a building code upgrade endorsement to close this gap—it's worth the added premium if you ever need to rebuild.
Yes, there are positive signs. In 2025, 73% of Citizens Property Insurance policyholders in Miami-Dade saw premiums drop by an average of 6.3%. Since 2022, over 477,000 policies have moved from Citizens back to the private market, signaling increased competition and market stabilization. While rates remain high compared to most of the country, the trend is moving in the right direction.
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