Miami-Dade County’s natural beauty has drawn over 2 million people to the area. But breathtaking views of the ocean give residents a front row seat for some of nature’s most powerful storms.
The right insurance is key to making sure you can recover from whatever nature throws at you – and that’s where we come in. Our top priority is to provide affordable coverage where people need it most.
But what is the right policy for you? That often depends on your situation. People who live in their home for most of the year typically need homeowners insurance.
Home insurance guides
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But if you rent out your home for part of the year, you may need a landlord insurance policy.
Landlord insurance guides
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Manufactured homes are a totally different risk. Those require mobile home insurance.
Mobile home insurance guides
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Condominiums also face different perils that require yet another kind of insurance: an HO-6 policy, or condo insurance.
Condo insurance guides
Frequently asked questions about protecting your home
Another important step in getting the right coverage for your home – asking smart questions. Here are the answers to a few questions you’re probably already wondering about.
How much does home insurance cost in Miami-Dade County?
The most recent information shows that the average cost of homeowners insurance in Florida is $2,165 per year. This makes Florida the most expensive state in the nation for home insurance costs, with rates increasing at an alarming rate. Unfortunately, Miami-Dade homeowners often pay at least the average, if not higher.
Is windstorm coverage included in my standard Florida homeowners insurance policy?
Not always. Due to the high risk of hurricanes in Miami-Dade, many insurance companies don’t cover it. That said, our Florida home insurance does include windstorm coverage with an additional hurricane deductible.
Do I need flood insurance if I’m not in a designated flood zone?
While it’s mandatory for homes with mortgages in FEMA-designated flood zones to have flood insurance, flooding can occur outside these zones too. Given Miami-Dade’s low elevation and susceptibility to storm surge, it’s wise to consider flood insurance no matter where you live in the county.
For more details, check out our article about Miami-Dade flood insurance.
How can I lower my homeowners insurance premiums in Miami-Dade County?
You can have an impact on your home insurance premiums in Miami-Dade County by undertaking certain wind mitigation measures, such as:
We also offer a variety of other discounts and premium reductions for homeowners who qualify.
Can I buy a regular home insurance policy for my mobile home?
No, mobile home owners need to purchase mobile home insurance. Also called an HO7 policy, mobile home insurance covers manufactured homes for their unique needs and risks.
Does my policy cover additional living expenses if I’m displaced after a storm?
Many standard home insurance policies in Miami-Dade County include additional living expenses (also called loss of use) coverage. Loss of use coverage is standard in a Kin home insurance policy.
How does the age and condition of my roof impact my home insurance?
Older roofs or those in poor condition might lead to higher premiums or even denial of coverage. Some insurance companies offer discounts for newer or storm-fortified roofs.
Additional resources for Miami-Dade County homeowners
How to get home insurance in Miami-Dade County
While other insurance companies have withdrawn from Florida because of the high cost of hurricanes, Kin is proud to offer affordable coverage to homeowners who need it most. We are committed to Florida for the long haul.
Get a quote for Miami-Dade County, FL, homeowners insurance today.
