The top-rated condo insurance agent in Palmetto Bay, Florida is Univista Insurance, rated 4.9 stars across 1,521 reviews. Other highly rated options include Jorge Milanes - GEICO Insurance Agent, GreatFlorida Insurance: Tamara Mourino, Estrella Insurance. This directory lists 16 condo insurance agents serving Palmetto Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 17605 S Dixie Hwy | (305) 507-9638 |
| 2 | Jorge Milanes - GEICO Insurance Agent | 17031 S Dixie Hwy | (305) 421-8000 |
| 3 | GreatFlorida Insurance: Tamara Mourino | 9811 Wayne Ave | (305) 256-0616 |
| 4 | Estrella Insurance | 18071 S Dixie Hwy | (305) 255-2985 |
| 5 | Del Toro Insurance | 13843 S Dixie Hwy | (305) 831-2505 |
| 6 | Steve Myers - State Farm Insurance Agent | 9004 SW 152nd St | (305) 253-5800 |
| 7 | Progressive Insurance - Claims Office | 17901 Old Cutler Rd Ste 300 | (800) 776-4737 |
| 8 | Grabowski-Scheller Agency: Allstate Insurance | 9000 SW 152nd St Ste 103 | (888) 776-7805 |
| 9 | Del Toro Insurance Kendall | 10579 SW 109th Ct | (786) 214-7551 |
| 10 | D Insurance Group | 9555 SW 175th Terrace Suite 224 | (305) 882-9358 |
Univista Insurance offers both one-time consultations and recurring policy reviews for condominium owners in Palmetto Bay. Regular coverage protects individual units from interior damage, personal liability, and loss of personal property beyond the master policy. Occasional one-time sessions may benefit those purchasing a new condo or updating an existing policy after renovations. The service runs on either a scheduled annual basis or as needed for specific inquiries or claims.
Jorge Milanes - GEICO Insurance Agent serves the Palmetto Bay, Florida area as a local condo insurance agent. The company helps condominium owners and associations secure appropriate coverage for their specific housing needs. Policies typically address common area liability, interior structure protection, and personal belongings. This agent works with residents to navigate the unique insurance requirements of Florida condo living. Services include evaluating master policy gaps and assisting with individual unit owner policies. The agency also handles claims assistance for condo-related property losses.
GreatFlorida Insurance: Tamara Mourino provides Palmetto Bay area clients with personalized guidance for securing condo insurance. Its standard services include evaluating individual policy needs and explaining coverage options for interior structures and personal property. The agency also offers ongoing policy review to help adjust coverage as residents’ circumstances change. This firm assists with policies for individual condominium units, attached townhomes, single-family homes, apartments, retail shops, and local restaurants.
Estrella Insurance specializes in helping condo owners in Palmetto Bay secure tailored coverage for their individual units and shared building areas. It works with clients to navigate the specific requirements of homeowners’ associations and master policies. The company handles common insurance tasks, such as explaining how personal liability and interior coverage apply within a condo framework. It particularly assists policyholders before South Florida’s hurricane season, when confirming adequate windstorm protection and understanding potential flood exclusions becomes essential for safeguarding one’s investment.
When storm season arrives in Palmetto Bay, Condo Insurance agents become essential partners for unit owners facing rising wind and flood risks. Del Toro Insurance assists local condominium associations and individual homeowners with coverage tailored to Florida’s unique coastal exposures and building regulations. Their team provides clear guidance on structural dwelling policies and personal contents protection. A thorough, in-person consultation at the condominium property is scheduled to verify existing master policy limits before determining the appropriate supplemental plan.
Serving Palmetto Bay and the surrounding South Florida communities, Steve Myers - State Farm Insurance Agent handles condo insurance policies tailored to the unique needs of unit owners. The agency assists clients in securing coverage for their interior walls, personal belongings, and liability risks. A typical policy addresses perils such as fire, theft, and water damage that may affect the condominium unit. When handling a standard job, the agent first reviews the master association policy to identify gaps and then builds supplemental coverage around those specific exposures.
Homeowners, business owners, and property managers in Palmetto Bay, FL rely on this agency for condo insurance services. The office handles policy inquiries, claims filing, and coverage explanations tailored to condominium associations and individual unit owners. Agents assist clients in navigating local insurance requirements and adjusting protection plans as needs change. The office also serves nearby communities throughout the Miami metropolitan area, including South Miami and the greater Kendall region.
Grabowski-Scheller Agency: Allstate Insurance operates as a condo insurance agent in Palmetto Bay, FL. The agency helps property owners distinguish between a single, one-time policy purchase and recurring service options that adjust coverage annually. Their focus includes protecting personal belongings, liability, and interior structural improvements not covered by a condo association’s master policy. Customers can select service on either a one-time, scheduled, or as-needed basis to match their specific needs for policy updates and claims assistance.
Del Toro Insurance Kendall specializes in providing condo insurance policies tailored to the unique needs of Palmetto Bay residents. Its general service work helps policyholders understand coverage requirements for shared building structures and individual interior spaces. The agency handles inquiries about common area liability and personal property protection. It also assists clients in navigating flood insurance provisions that apply to coastal Florida condominiums. For situations involving hurricane season, it advises on securing appropriate windstorm coverage before storm threats arise.
What Does a a Condo Insurance Agent in Palmetto Bay Cost?
The cost of a condo insurance policy in Florida typically ranges from 300 to 800 dollars per year for a basic HO6 policy. Factors like the units location age and your deductible affect the premium. In Palmetto Bay flood insurance may also be required adding 400 to 1000 dollars annually. This is general information and not insurance advice.
About condo insurance agents in Palmetto Bay
A condo insurance agent in Palmetto Bay Florida can help you understand the specific coverage needed for your unit. Florida law requires condo associations to carry a master policy but that policy may not cover your interior walls or personal belongings. An agent can explain how an HO6 policy fills those gaps and meets your lenders requirements.
Frequently Asked Questions
What does a condo insurance agent in Palmetto Bay do?
A condo insurance agent helps you find an HO6 policy that covers your personal property and interior structures. They also advise on loss assessment coverage which is important under Florida law. The agent can compare policies from different insurers to match your budget and needs.
Do I need condo insurance if the association has a master policy in Florida?
Yes you still need your own HO6 policy. The associations master policy usually only covers the building exterior and common areas. Your personal belongings and interior improvements are your responsibility. Florida law also requires you to have coverage for any interior alterations you have made.
How do I choose a condo insurance agent in Palmetto Bay?
Look for an agent who is licensed in Florida and has experience with condo policies. Ask them about their knowledge of Florida Statute 718 which governs condominiums. A good agent will explain the differences between replacement cost and actual cash value coverage.
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