The top-rated condo insurance agent in Coral Gables, Florida is DFI INSURANCE COMPANY, rated 4.8 stars across 366 reviews. Other highly rated options include Borbolla Insurance Agencies Inc: Allstate Insurance, Gus Cisneros - State Farm Insurance Agent, GreatFlorida Insurance: Mike Carcas. This directory lists 20 condo insurance agents serving Coral Gables.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | DFI INSURANCE COMPANY | 1430 S Dixie Hwy STE 307 | (305) 665-1903 |
| 2 | Borbolla Insurance Agencies Inc: Allstate Insurance | 320 Sevilla Ave Ste 202 | (877) 217-7445 |
| 3 | Gus Cisneros - State Farm Insurance Agent | 1700 Ponce de Leon Blvd | (305) 826-8222 |
| 4 | GreatFlorida Insurance: Mike Carcas | 717 Ponce de Leon Blvd STE 211 | (305) 461-3232 |
| 5 | Carlos Martinez - State Farm Insurance Agent | 1430 S Dixie Hwy Ste 316a | (305) 663-4921 |
| 6 | Gables Elite Insurance Inc | 124 Madeira Ave | (305) 448-2887 |
| 7 | Sirianni Insurance Corp. | 199 Giralda Ave suite PH | (305) 510-4510 |
| 8 | Leticia Insurance Agency | 5538 SW 8th St | (305) 631-2094 |
| 9 | GreatFlorida Insurance: Ana Patricia Arguello | 1390 S Dixie Hwy Suite 2202 | (786) 409-2211 |
| 10 | Del Toro Insurance | 1418 Ponce de Leon Blvd | (305) 698-0899 |
DFI Insurance Company serves Coral Gables and the broader Miami-Dade County area as a dedicated condo insurance agent. They assist condominium owners and associations in securing appropriate coverage to protect their units and shared property. Their work involves guiding clients through policies that address common area liabilities and interior unit protections. DFI Insurance Company handles both individual unit owner policies and master association coverage needs.
Borbolla Insurance Agencies Inc: Allstate Insurance in Coral Gables, Florida, provides personalized condo insurance solutions, including coverage for personal property, liability protection, and loss assessment fees. It offers policy reviews and claims assistance to help unit owners maintain adequate coverage as their circumstances change. This agency services single-family homes, apartments, retail spaces, and restaurants in the Coral Gables area.
Gus Cisneros - State Farm Insurance Agent in Coral Gables, FL serves homeowners, businesses, and property managers seeking protection for their condominium investments. The agency offers personalized condo insurance policies tailored to cover individual unit interiors, personal belongings, and liability exposures common in shared-building environments. Property managers can also secure comprehensive master policy gap coverage. The team assists clients throughout the greater Miami metropolitan area, including the neighboring communities of South Miami and Coconut Grove.
GreatFlorida Insurance: Mike Carcas serves Coral Gables and the surrounding South Florida communities, handling essential condo insurance needs for local unit owners and associations. It deals with coverage for interior structures, personal property, liability protection, and loss assessments. Residential clients benefit from tailored solutions that address the specific risks of coastal living and shared building ownership. The agency typically begins with a thorough review of individual policies and master association documents to identify gaps before presenting appropriate coverage options.
Carlos Martinez - State Farm Insurance Agent in Coral Gables, FL, specializes in condo insurance. The primary distinction for clients is between a one-time policy, which offers basic liability and property coverage, and a recurring, scheduled plan, which typically includes broader endorsements for improvements or loss assessment. As a local agent, this office helps navigate Florida-specific dwelling coverage requirements. Service options are available on a one-time or as-needed basis depending on whether the client owns a primary residence or an investment property.
Gables Elite Insurance Inc specializes in tailoring condo insurance policies to protect individual units within Coral Gables' many multi-family buildings. It generally serves local condominium owners by recommending coverage for personal property, liability, and interior structural improvements not covered by the master policy. During the peak hurricane season, this agent helps clients assess and adjust their flood deductibles and windstorm limits to ensure proper financial protection against seasonal storm threats.
When hurricane season arrives in Coral Gables, securing proper coverage for a condominium unit becomes a priority for many residents. Sirianni Insurance Corp. serves as a condo insurance agent, helping owners understand the master policy distinctions and then filling any gaps with tailored individual policies. The company explains the differences between walls-in, all-in, and loss assessment coverages. The typical process begins with a review of the homeowner association's master policy and a conversation to identify personal asset exposure before performing an initial property inspection to assess unit specifics.
Leticia Insurance Agency serves residential clients in Coral Gables by offering general condo insurance coverage. For property owners, the agency provides specialized add-ons that protect interior fixtures and personal liability within individual units. Standard policies typically address common area assessments and loss assessment coverage for association members. The agency works to structure protection for homeowners facing unique condo association requirements. Additionally, it can serve commercial sectors with policies tailored for offices, warehouses, and food service operations in the local market.
GreatFlorida Insurance: Ana Patricia Arguello provides residential condo insurance services for property owners in Coral Gables, Florida. The agency also addresses commercial coverage needs for condominium associations and small businesses throughout the local area. Clients receive guidance on policy options designed to protect units and shared assets in this region. With a focus on consistent communication, the agency encourages repeat service and ongoing follow-up to adjust coverage between regular policy review visits.
Del Toro Insurance serves Coral Gables and the broader Miami-Dade County area as a Condo Insurance Agent, assisting homeowners with coverage needs. They work with clients to navigate the specific requirements of condominium ownership, offering policies that protect interior structures and personal belongings. Their guidance helps unit owners understand master policy gaps and fill them with appropriate individual plans. For comprehensive protection, they handle loss assessment coverage and structural improvements specific to Coral Gables condos.
What Does a a Condo Insurance Agent in Coral Gables Cost?
Typical costs for a condo insurance agent in Florida range from 300 to 800 dollars per year for an HO6 policy. Factors include your unit value, location in Coral Gables, and chosen deductibles. Hurricane and flood endorsements may add 100 to 300 dollars annually. This is general information and not insurance advice.
About condo insurance agents in Coral Gables
A condo insurance agent in Coral Gables Florida helps you understand the coverage you need beyond the associations master policy. Florida law requires HO6 policies to cover certain interior structures and personal liability. An agent can explain how the Florida Condominium Act affects your insurance obligations.
Frequently Asked Questions
What does a condo insurance agent in Coral Gables do?
A condo insurance agent reviews your associations master policy and helps you buy an HO6 policy to cover gaps. They explain Florida specific requirements like loss assessment coverage and personal liability limits.
Do I need condo insurance if the association has a master policy?
Yes, Florida law does not require you to have an HO6 policy but most lenders do. The master policy typically covers the building exterior and common areas. Your HO6 policy covers your interior walls, fixtures, and personal belongings.
How does Florida law affect my condo insurance needs?
Florida Statutes Chapter 718 governs condominium associations and insurance requirements. Your agent can help you comply with rules about deductibles and loss assessment coverage. You may need additional coverage for hurricane damage or flood risks common in Coral Gables.
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