Golden Global Insurance
3323 NE 163rd St, Suite 505, North Miami Beach, FL 33160
View this agency's profile to learn more about their services.
Loading...
City directory
North Miami Beach 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.
3323 NE 163rd St, Suite 505, North Miami Beach, FL 33160
View this agency's profile to learn more about their services.
390 NE 167th St, North Miami Beach, FL 33162
View this agency's profile to learn more about their services.
313 NE 167th St, North Miami Beach, FL 33162
View this agency's profile to learn more about their services.
1380 NE Miami Gardens Dr, STE 282, North Miami Beach, FL 33179
View this agency's profile to learn more about their services.
15807 Biscayne Blvd, Ste 205, North Miami Beach, FL 33160
View this agency's profile to learn more about their services.
1810 NE Miami Gardens Dr, North Miami Beach, FL 33179
View this agency's profile to learn more about their services.
17071 West Dixie Highway, North Miami Beach, FL 33160
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to North Miami Beach residents.
Home insurance in North Miami Beach averages $5,506/year. Learn about flood zones, hurricane coverage, condo vs single-family policies, and how to save.
Car InsuranceNavigate North Miami Beach auto insurance with confidence. Understand Florida's no-fault system, 2026 law changes, and how to save on coverage in Miami-Dade County.
While it's not legally required if you're outside a Special Flood Hazard Area, it's worth considering. Recent FEMA map updates reclassified over 45,000 structures in Miami-Dade County as higher risk, and flood zones can change over time. About 25% of flood claims come from properties outside high-risk zones. Plus, flood insurance is typically cheaper in low-risk areas, making it relatively affordable protection.
Flood insurance costs vary dramatically based on your property's elevation, flood zone designation, and coverage amount. NFIP policies through the Community Rating System offer up to 20% discounts for North Miami Beach residents. Properties in low-risk zones might pay a few hundred dollars annually, while high-risk properties could pay $1,500-$3,000 or more. The only way to know your actual cost is to get a quote based on your specific address.
Three main factors drive high premiums: hurricane exposure, flood risk, and rising construction costs. Miami-Dade County sits in one of the most hurricane-prone regions in the U.S., which increases insurers' risk. Between March 2022 and September 2024, Miami-Dade premiums increased 21.1% due to these factors. However, rates are stabilizing in 2025, with many homeowners seeing reductions as the market adjusts.
It's increasingly difficult. Many insurers won't write new policies for homes with roofs older than 15-20 years, and those that do charge significantly higher premiums. Some insurers require a roof inspection and certification before coverage, while others impose special conditions or higher deductibles. If you're buying a home with an aging roof, budget for replacement to secure affordable insurance.
Condo insurance (HO-6) covers your personal belongings, interior improvements, and liability, while the condo association's master policy covers the building exterior and common areas. Homeowners insurance (HO-3) covers both the structure and your belongings. For flood insurance, condo owners in high-risk zones need the association to carry building coverage before lenders will approve individual unit mortgages, while single-family homeowners purchase their own policies directly.
The biggest discounts come from hurricane mitigation features like impact-resistant windows, reinforced roofs, and storm shutters—some insurers offer 20% or more off for comprehensive protection. You can also get discounts for bundling home and auto insurance, installing security systems, having a newer roof, being claims-free, and choosing higher deductibles. A wind mitigation inspection (costing $75-$150) documents these features and can save hundreds annually.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network