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Compare Landlord Insurance Agents in Miami Beach, FL
Directory of landlord insurance agents in Miami Beach, Florida. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Miami Beach, 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 5 landlord insurance agents in Miami Beach, 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.
Toscano Insurance Group
1111 Lincoln Rd Suite 500, Miami Beach, FL 33139
(305) 397-8807
toscanoinsurance.com
Estrella Insurance
1321 Alton Rd, Miami Beach, FL 33139
(305) 534-9434
agents.estrellainsurance.com
Pamela Brumer: Allstate Insurance
141 Alton Rd, Miami Beach, FL 33139
(305) 531-1223
agents.allstate.com
A & T Insurance Brokerage Inc
800 71st St #1, Miami Beach, FL 33141
(305) 868-1148
atinsurancebrokers.com
South Beach Insurance Agency
1000 Lincoln Rd STE 240, Miami Beach, FL 33139
(305) 532-7623
southbeachinsurance.com
A landlord insurance agent in Miami Beach helps property owners protect their rental investments against hurricane damage liability and loss of rental income. Florida law does not require landlord insurance but mortgage lenders often mandate it. Miami Beach properties face unique risks from flooding and windstorms so agents here specialize in policies that meet local building codes and condominium association rules.
What Does a Landlord Insurance Agent in Miami Beach Cost?
Landlord insurance in Florida typically costs between 25 and 40 percent more than standard homeowners insurance due to hurricane and flood risks. For a Miami Beach rental property you might pay 1,500 to 4,000 dollars per year for a basic policy. Adding flood insurance can increase that by 700 to 2,000 dollars annually. Actual costs depend on property value location deductible and coverage limits. 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 landlord insurance cover in Miami Beach?
Landlord insurance typically covers the building structure liability protection and loss of rental income. In Miami Beach you should also consider flood insurance because standard policies do not cover flood damage. Windstorm coverage is often a separate endorsement due to hurricane risk.
Is landlord insurance required by Florida law?
Florida law does not require landlord insurance. However your mortgage lender will likely require a policy that covers the dwelling and liability. Condominium associations in Miami Beach may also have minimum insurance requirements for unit owners who rent out their property.
How do Miami Beach flood zones affect landlord insurance costs?
Miami Beach is in a high-risk flood zone which means flood insurance is strongly recommended and may be required by your lender. Flood insurance is sold separately through the National Flood Insurance Program or private carriers. This can add several hundred to a few thousand dollars per year to your total insurance costs.
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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.