Homeowners insurance in Miami, FL
Homes range from starter capes to coastal properties with very different wind and water exposures. An independent agency can compare carriers that fit your home and your area, not just one company's appetite.
Miami, FL market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Homeowners coverage to consider
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homes in Miami
Dwelling coverage follows what it would cost to rebuild locally, not the listing price. Housing facts for Miami give that conversation a starting point.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Miami.
Disaster history in Miami-Dade County
Federal disaster declarations are public FEMA records of the events that have hit Miami-Dade County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Miami-Dade County.
Insurance agency records in Miami
168 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Miami, FL
Broad license categories; specific offerings and independence need confirmation.
In records since 2010 · NPN 8797656 · public licensing record
Broad license categories; specific offerings and independence need confirmation.
In records since 2020 · NPN 19550462 · public licensing record
Miami, FL
Broad license categories; specific offerings and independence need confirmation.
In records since 2019 · NPN 19198965 · public licensing record
Broad license categories; specific offerings and independence need confirmation.
In records since 2024 · NPN 21166988 · public licensing record
Broad license categories; specific offerings and independence need confirmation.
In records since 2025 · NPN 21522311 · public licensing record
Broad license categories; specific offerings and independence need confirmation.
In records since 2008 · NPN 10108988 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Other coverage in Miami
Agencies in this market may also help with related lines that have local licensing depth.
Homeowners in nearby markets in Miami-Dade County
Browse nearby markets with enough listed agencies to support a local homeowners page.
Shopping for home insurance?
Compare the terms you have and prepare useful questions before choosing an agency or policy.
Frequently asked questions
How many independent agencies can help with homeowners insurance in Miami, FL?
Public licensing records list 168 insurance agencies in Miami, Florida with broad licensing qualifications relevant to this category, within Miami-Dade County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.
Can I compare homeowners insurance with agencies near Miami?
Yes. You can request quotes in Miami, or browse Hialeah, Doral, Coral Gables to compare independent agencies in nearby markets in Miami-Dade County.
What happens after I request homeowners insurance quotes in Miami?
Tell us what you need once. We match your request with one licensed independent agency serving Miami. We are not an insurance agency and we do not sell your information into a bidding marketplace.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Why do coastal or higher-risk homes get special attention?
Wind, wildfire, and coastal exposure can affect carrier appetite and deductibles in some areas. Independent agents know which carriers write in your area.
Tell us what you need once.
We'll match you with one independent agency serving Miami. Your information is never sold or blasted to a list.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.