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Find Home Insurance Agents Near You in Cutler Bay, FL

Browse home insurance agents serving Cutler Bay, Florida. Updated 2026-07-14.

The top-rated home insurance agent in Cutler Bay, Florida is Ellie Mills - State Farm Insurance Agent, rated 5.0 stars across 708 reviews. Other highly rated options include Estrella Insurance, Choice One Insurance, Del Toro Insurance. This directory lists 11 home insurance agents serving Cutler Bay.

Showing 11 home insurance agents in Cutler Bay, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ellie Mills - State Farm Insurance Agent20330 Old Cutler Rd(305) 238-8688
2Estrella Insurance20214 Old Cutler Rd(305) 232-7690
3Choice One Insurance18400 SW 97th Ave STE 101(305) 252-1873
4Del Toro Insurance18651 S Dixie Hwy(305) 252-1009
5Univista Insurance18932 S Dixie Hwy(305) 433-7393
6Greisy Cabanas - State Farm Insurance Agent9730 SW 184th St(305) 233-4242
7Claudia's Insurance Inc18901 SW 106th Ave #132(786) 293-9141
8Lumina Insurance At Cutler Bay20250 S Dixie Hwy Ste 202(786) 409-0930
9Goosehead Insurance - Luis Andrew Ruiz & Eric Gray20325 Old Cutler Rd(786) 685-2962
10Sure Insurance Agency20555 Old Cutler Rd(305) 203-0289
EM
20330 Old Cutler Rd
Ellie Mills - State Farm Insurance Agent
Home Insurance Agent · Cutler Bay, FL

Ellie Mills - State Farm Insurance Agent in Cutler Bay, Florida provides personalized home insurance policies that protect property structures and personal belongings. The agency also offers general homeowners coverage including liability protection and additional living expense reimbursement. Whether a client needs a tailored policy for a coastal home or basic dwelling coverage, the agent works to match plans with individual needs. As hurricane season approaches, the office assists homeowners in reviewing windstorm deductibles and ensuring adequate coverage against storm damage.

EI
20214 Old Cutler Rd
Estrella Insurance
Home Insurance Agent · Cutler Bay, FL

With hurricane season approaching each year, homeowners in Cutler Bay often seek reliable protection for their properties against coastal weather risks. Estrella Insurance provides guidance on home insurance policies that align with local building requirements and flood zone considerations. They work to match clients with coverage options from various carriers, helping to address the specific needs of single-family homes and condominiums in the area. An initial consultation begins with a review of the property’s current coverage followed by a walkthrough to assess the home’s condition and exposures.

CO
18400 SW 97th Ave STE 101
Choice One Insurance
Home Insurance Agent · Cutler Bay, FL

Choice One Insurance serves home and business owners in the Cutler Bay area of Miami-Dade County, Florida, with professional guidance on residential property coverage. As a local home insurance agent, the company helps clients assess their insurance needs, from basic dwelling protection to additional policies that may be required by mortgage lenders. Regular consultations allow agents to explain coverage limits and help homeowners navigate the claims process after storms or accidents. The agency specifically handles windstorm protection policies and personal liability coverage for homes in this coastal region.

DT
18651 S Dixie Hwy
Del Toro Insurance
Home Insurance Agent · Cutler Bay, FL

Del Toro Insurance provides home insurance services to property owners in Cutler Bay, Florida, focusing on standard dwelling protection and liability coverage. Additional endorsements commonly available include flood insurance, windstorm coverage, and personal property riders for high-value items like jewelry or electronics. Beyond residential clients, the company serves commercial sectors requiring property insurance for offices, warehouses, and food service operations.

UI
18932 S Dixie Hwy
Univista Insurance
Home Insurance Agent · Cutler Bay, FL

Univista Insurance provides residential home insurance services to homeowners in Cutler Bay, Florida. The agency also extends commercial property coverage for local business owners seeking protection for their assets. Serving the broader community, Univista Insurance works with clients to secure appropriate policies tailored to individual property needs. After an initial policy placement, the agency offers follow-up service to review coverage during periodic check-ins and remains available for consultation between regular visits.

GC
9730 SW 184th St
Greisy Cabanas - State Farm Insurance Agent
Home Insurance Agent · Cutler Bay, FL

Greisy Cabanas - State Farm Insurance Agent in Cutler Bay, FL provides a range of home insurance services, including standard policies for property damage and liability coverage. Maintenance plans are not offered, but the agency helps clients adjust coverage limits to reflect property changes. Service involves regular policy reviews to ensure adequate protection for local homes. It services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.

CS
18901 SW 106th Ave #132
Claudia's Insurance Inc
Home Insurance Agent · Cutler Bay, FL

Claudia's Insurance Inc assists homeowners in Cutler Bay, Florida, with securing personal property coverage for their residences. The agency also serves local businesses needing protection for commercial structures and property managers requiring tailored policies for rental units. It guides clients through standard homeowners insurance options, explaining coverage limits and deductibles clearly. The agent works to match clients with appropriate protection for their specific needs. Additionally, Claudia's Insurance Inc extends its home insurance services to nearby communities throughout the greater Miami metropolitan area.

LI
20250 S Dixie Hwy Ste 202
Lumina Insurance At Cutler Bay
Home Insurance Agent · Cutler Bay, FL

Serving Cutler Bay and the surrounding communities in southern Miami-Dade County, Lumina Insurance At Cutler Bay handles residential property insurance for local homeowners. It works to secure coverage that addresses the specific weather-related risks common to coastal areas, including wind and flood exposures. By starting with a thorough assessment of each property’s condition and location, the agency then compares policies from its carriers to present options that match both the home’s value and the client’s budget needs.

GI
20325 Old Cutler Rd
Goosehead Insurance - Luis Andrew Ruiz & Eric Gray
Home Insurance Agent · Cutler Bay, FL

Goosehead Insurance - Luis Andrew Ruiz & Eric Gray in Cutler Bay, FL offers homeowners either a one-time consultation or recurring support to review policy changes. Their coverage helps protect clients from common local risks like storm damage and liability. Service may be scheduled as a one-time review or arranged on an as-needed basis for policy updates or claims assistance.

SI
20555 Old Cutler Rd
Sure Insurance Agency
Home Insurance Agent · Cutler Bay, FL

Sure Insurance Agency in Cutler Bay, FL specializes in structuring tailored homeowners policies to protect single-family residences and condominium units, while also serving clients with coverage for rental properties and vacation homes. As a local home insurance agent, it navigates the available carriers to match dwelling values and contents with appropriate liability limits, addressing the specific replacement cost needs common to South Florida properties. The agency often assists homeowners with end-of-summer hurricane preparedness reviews to confirm windstorm coverage and deductibles are adequate before peak season.

BI
10665 SW 190th St STE 3210
Bayside Insurance Inc
Home Insurance Agent · Cutler Bay, FL
(305) 235-5704

What Does a a Home Insurance Agent in Cutler Bay Cost?

Home insurance costs in Cutler Bay Florida vary by home value and location. Average annual premiums for a single family home range from 2000 to 5000 dollars. Homes near the coast or with older roofs may cost more. Windstorm coverage adds to the premium. This is general information not insurance advice.

About home insurance agents in Cutler Bay

Home insurance agents in Cutler Bay Florida help residents find coverage that meets state requirements and protects against local risks. Florida law requires insurers to offer windstorm coverage in high-risk areas like Cutler Bay. An agent can explain flood insurance options and help you compare policies from different companies.

Frequently Asked Questions

What does a home insurance agent in Cutler Bay do?

A home insurance agent helps you find a policy that fits your needs and budget. They explain Florida specific coverages like windstorm and sinkhole protection. They also assist with policy changes and claims questions.

Do I need flood insurance in Cutler Bay Florida?

Flood insurance is not required by Florida state law but may be required by your mortgage lender if you live in a flood zone. Cutler Bay is near the coast so flood risk is higher. An agent can help you get a policy through the National Flood Insurance Program.

How does Florida windstorm coverage work for Cutler Bay homes?

Florida law requires insurers to offer windstorm coverage in high risk areas including Cutler Bay. If you cannot find private coverage you may use the Florida Citizens Property Insurance Corporation. An agent can explain deductibles and coverage limits for wind damage.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.