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Directory of condo insurance agents in Miami Gardens, Florida. Verify credentials with the state department of insurance before hiring.
16 agents listed
Updated May 2026
Miami Gardens, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 16 condo insurance agents in Miami Gardens, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Legacy Builders Insurance Agency
19545 NW 2nd Ave, Miami Gardens, FL 33169
(305) 749-6303
legacybuildersamerica.com
Estrella Insurance
3489 NW 183rd St, Miami Gardens, FL 33056
(305) 925-9944
agents.estrellainsurance.com
Estrella Insurance
18355 NW 57th Ave #103B, Miami Gardens, FL 33055
(305) 830-1477
agents.estrellainsurance.com
GoldenTrust Insurance Miami Gardens
5663 NW 195th Dr, Miami Gardens, FL 33055
(305) 998-7133
gardens.goldentrust.com
Estrella Insurance
17325 NW 27th Ave #202, Miami Gardens, FL 33056
(305) 925-4090
agents.estrellainsurance.com
Brightway Insurance, Miami Lakes
18191 NW 68th Ave Suite 222, Miami Gardens, FL 33015
3753 NW 167th St Suite 102, Miami Gardens, FL 33055
(786) 533-2513
deltoroinsurance.com
Gardens Insurance Inc
1818 NW 183rd St, Miami Gardens, FL 33056
(305) 621-0072
Renew Insurance LLC
16533 NW 57th Ave, Miami Gardens, FL 33014
(305) 624-7300
Del Toro Insurance
17201 NW 27th Ave, Miami Gardens, FL 33056
(786) 623-4006
deltoroinsurance.com
Del Toro Insurance
4088 NW 167th St, Miami Gardens, FL 33054
(305) 407-2361
deltoroinsurance.com
Sebanda Insurance
19577 NW 57th Ave, Miami Gardens, FL 33055
(305) 888-1427
sebandainsurancefranchisenine.com
Adavi Insurance Inc & Miami Gardens Multi Services Inc
4526 NW 183rd St, Miami Gardens, FL 33055
(305) 620-6636
adaviinsurance.com
Insurance Exchange of America
19868 NW 27th Ave, Miami Gardens, FL 33056
(305) 620-7555
bestrate-insurance.com
Condo insurance agents in Miami Gardens help owners understand the unique coverage needs for Florida condominiums. Florida law requires condo associations to carry a master policy, but individual unit owners still need an HO6 policy for interior walls, fixtures, and personal property. A local agent can explain how the Florida Condominium Act affects your personal coverage limits and deductibles.
What Does a Condo Insurance Agent in Miami Gardens Cost?
Condo insurance premiums in Miami Gardens typically range from 300 to 800 dollars per year for a standard HO6 policy. Factors include the unit value, location, deductible amount, and the age of the building. Windstorm coverage may add 100 to 300 dollars more per year. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a condo insurance agent in Miami Gardens do?
A condo insurance agent helps you find an HO6 policy that covers your personal belongings, interior walls, and liability. They can also explain how your association master policy affects what you need to insure.
Do I need condo insurance if my association has a master policy?
Yes. Florida law does not require unit owners to carry insurance, but most mortgage lenders do require it. The master policy only covers common areas and bare walls. You need your own policy for everything inside your unit.
How does Florida law affect my condo insurance coverage?
Florida Statute 718.111 requires condo associations to maintain property insurance on the building. However, this does not cover your personal property or interior improvements. Your HO6 policy fills those gaps and also provides loss assessment coverage if the association has a large deductible.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.