Dale's Insurance Agency, Inc.
12780 W Dixie Hwy, 2nd Fl, North Miami, FL 33161
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12780 W Dixie Hwy, 2nd Fl, North Miami, FL 33161
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1937 Sans Souci Blvd, North Miami, FL 33181
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801 NE 125th St, North Miami, FL 33161
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801 NE 125 St, North Miami, FL 33161
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655 NE 125th St, North Miami, FL 33161
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1652 NE 123rd St, North Miami, FL 33181
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12145 NW 7th Ave, North Miami, FL 33168
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12935 W Dixie Highway, North Miami, FL 33161
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12864 Biscayne Blvd, Suite 103, North Miami, FL 33181
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616 NE 124th Street, North Miami, FL 33161
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Learn about insurance coverage options specific to North Miami residents.
North Miami home insurance costs $10,500-$16,800/year. Learn about flood zones, Citizens Insurance, hurricane coverage, and ways to save on premiums.
Car InsuranceNorth Miami drivers pay $2,400-$3,200/year for car insurance. Learn why rates are high, what coverage you need in Florida's no-fault system, and how to save.
General Insurance EducationComplete North Miami insurance guide covering Florida auto requirements, home insurance crisis updates, flood zones near Biscayne Bay, and hurricane prep.
Car InsuranceNorth Miami auto insurance averages $3,500-$4,900/year. Learn Florida's no-fault PIP requirements, 14-day rule, and how to save on coverage in 2025.
Home insurance in North Miami typically costs between $10,500 and $16,800 annually for a home with $300,000 in dwelling coverage, significantly higher than the national average of about $2,400. Your exact rate depends on your home's age, construction type, hurricane mitigation features, deductible, and which insurer you choose. The good news is that rates in Miami-Dade County are starting to stabilize, with many homeowners receiving rate reductions in 2025.
Yes, flood insurance is essential for North Miami homeowners. Standard homeowners insurance doesn't cover flood damage, and much of North Miami sits in high-risk flood zones due to its proximity to Biscayne Bay and low elevation. If you have a federally-backed mortgage and live in a Special Flood Hazard Area, flood insurance is mandatory. Even without a mortgage requirement, flood coverage is a smart financial decision given the area's flood risk.
Citizens Property Insurance Corporation is Florida's state-run insurer of last resort for homeowners who can't find coverage in the private market or face premiums more than 20% higher than Citizens' rates. While Citizens offers higher dwelling coverage limits in Miami-Dade County (up to $1 million), it has more restrictive coverage than private insurers, including limited liability coverage and no dog bite protection. Use Citizens if you need to, but continue shopping for private coverage, as options are improving with 11 new insurers entering Florida's market recently.
Install hurricane mitigation features like impact-resistant windows, fortified roofing, and storm shutters to earn substantial discounts. Raise your deductible if you can afford the higher out-of-pocket cost, bundle your home and auto insurance, and ensure your insurer knows about security systems and recent upgrades. Most importantly, shop around—rates vary dramatically between insurers, and you should get quotes from at least three companies to find the best combination of price and coverage.
Yes, Florida's insurance market is showing signs of recovery in 2025. Miami-Dade County saw nearly 75% of homeowners receive rate reductions, and statewide, home insurance costs rose only 1.5% over the first eight months of 2025 compared to double-digit increases in previous years. Legislative reforms are reducing litigation costs and stabilizing the reinsurance market. While rates remain well above the national average, the trend is moving in the right direction for the first time in years.
A standard North Miami homeowners policy covers your dwelling, other structures, personal property, and liability protection. It includes coverage for hurricane wind damage, theft, fire, and most other perils—but not flood damage, which requires a separate policy. Most policies provide $100,000 or more in liability coverage, though Citizens limits this to $100,000 with no option to increase it. Make sure to review your policy's specific exclusions and consider additional coverage like umbrella insurance for broader protection.
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