Miami, FL · Home insurance
Home insurance in Miami, Florida.
From Brickell high-rises to Little Havana storefronts, Miami businesses and homeowners face some of the state's highest coastal-wind and liability exposure. Arace Insurance Group shops top carriers for your Miami home coverage and a real agent follows up in minutes — not days.
What's covered
Home coverage for Miami residents
Here's what we line up and compare for Miami — tuned to Miami-Dade County's hurricane wind and coastal flood.
Dwelling & other structures
Rebuild costs for your home, garage, and structures.
Personal property
Your belongings, on or off the premises.
Wind & hurricane
Covered under your policy, usually with a separate deductible.
Liability & medical payments
If someone is injured on your property.
Loss of use
Living expenses if your home is uninhabitable after a covered loss.
Wind mitigation credits
Storm-resistant features can earn real premium savings.
FAQ
Miami home insurance questions
How much is homeowners insurance in Miami?
Miami premiums reflect hurricane wind and coastal flood and your home's age, roof, and construction. Rates have moved a lot across Florida — as an independent agency we shop multiple carriers to find the strongest Miami option, not just one quote.
Does my Miami home policy cover flood or hurricane?
Wind/hurricane is usually covered under your home policy (often with a separate hurricane deductible), but flood is never included — it's a separate policy. In Miami-Dade County, we almost always recommend pairing home coverage with flood.
Can you help if my carrier dropped me or raised rates?
Absolutely — non-renewals and big increases are common in Miami. We re-shop the market for you and find a replacement that fits, often before your current policy lapses.
What's a wind mitigation inspection and can it save me money?
It documents storm-resistant features of your Miami home (roof shape, straps, impact openings) that can earn significant premium credits. We'll tell you whether one is worth it for your property.
More in Miami
Everything Arace covers in Miami
Get your Miami home quote today.
Import your current policy in a minute or answer a few questions — a licensed Florida agent handles the rest.