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Find Home Insurance Agents Near You in Key Biscayne, FL
Compare home insurance agents in Key Biscayne. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Key Biscayne, 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 4 home insurance agents in Key Biscayne, 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.
Truist
520 Crandon Blvd, Key Biscayne, FL 33149
(305) 365-7349
truist.com
PVG Insurance Group
240 Crandon Blvd #100, Key Biscayne, FL 33149
(305) 722-3850
pvginsurance.com
SkyTerra Inc.
201 Crandon Blvd #1238, Key Biscayne, FL 33149
(786) 671-5712
skyterra.net
The Berenguer Group
104 Crandon Blvd, Key Biscayne, FL 33149
(786) 497-0901
berenguergroup.com
Home insurance agents in Key Biscayne help residents find coverage for their properties. Florida law requires insurers to offer windstorm coverage and allows for separate flood policies. An agent can explain the specific risks of living on a barrier island and help you meet mortgage and legal requirements.
What Does a Home Insurance Agent in Key Biscayne Cost?
Home insurance costs in Key Biscayne vary widely based on home value age and construction. Average annual premiums in Florida range from 2000 to 6000 dollars for standard coverage. Flood insurance adds 700 to 2000 dollars per year. Windstorm deductibles are often 2 to 5 percent of the home value. 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 home insurance agent do in Key Biscayne?
A home insurance agent helps you compare policies from different insurers. They explain coverage options for windstorm flood and liability. They also assist with claims and policy changes after a storm.
Do I need flood insurance in Key Biscayne Florida?
Yes if your property is in a flood zone your mortgage lender will require it. Florida law does not mandate flood insurance but most Key Biscayne homes need it. An agent can help you buy a separate flood policy through the NFIP or a private carrier.
What is the Florida statute of limitations for home insurance claims?
In Florida you generally have up to 2 years from the date of loss to file a property insurance claim. Some policies have shorter deadlines. An agent can explain your specific policy terms and help you meet all deadlines.
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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.