Miami Insurance Agency
Comprehensive insurance for Miami families and businesses. Independent agency with deep South Florida expertise.
Independent Insurance Agent Serving Miami, FL
Miami is Florida's largest metropolitan area and faces some of the most challenging insurance conditions in the country. Extreme hurricane exposure, widespread flood zones, rising sea levels, high property values, and a volatile insurance market make finding affordable, comprehensive coverage difficult. Miami homeowners and businesses need an agent who understands these unique challenges and has access to multiple carriers.
Greene & Associates Insurance has been protecting Florida families and businesses for over 30 years. Based in Lake City and serving the greater Miami metro area, we understand South Florida's insurance landscape — hurricane risk, flood zone requirements, condo insurance complexities, and the coverage you need to protect your valuable assets. As an independent agency with access to 20+ carriers, we can find you coverage options when direct writers can't.
Personal Insurance in Miami
Protect your Miami home, auto, and family with comprehensive coverage.
Home Insurance in Miami
Miami's insurance market is one of the toughest in the nation. Multiple carriers have pulled out of Florida entirely, leaving many Miami homeowners with limited options and skyrocketing premiums. High hurricane risk, costly litigation, and expensive rebuilds drive costs up. Many Miami homeowners have been forced into Citizens Property Insurance (Florida's insurer of last resort) due to lack of private market options.
Hurricane deductibles are substantial in Miami. Most policies include separate named storm deductibles of 2% to 10% of your dwelling coverage. For a Miami home insured at $500,000 with a 5% hurricane deductible, you pay the first $25,000 of hurricane damage out of pocket. Understanding your deductible before a storm is critical.
Replacement cost is essential. Miami property values have surged dramatically. Make sure your home is insured for full replacement cost — what it actually costs to rebuild today, not what you paid for it. Underinsurance can leave you financially devastated after a major loss.
Condo insurance: Miami's high-rise condo market has unique requirements. You need HO-6 condo insurance to cover your unit's interior, personal property, liability, and loss assessment coverage (for shared building damage). Your condo association's master policy doesn't fully protect you.
Learn More About Home InsuranceAuto Insurance in Miami
Miami drivers face some of the highest auto insurance rates in Florida due to heavy traffic, high accident rates, and frequent insurance fraud. Auto insurance is required by Florida law — minimum $10,000 PIP and $10,000 property damage — but these minimums are dangerously inadequate for serious Miami accidents.
Uninsured motorist coverage is absolutely critical in Miami. Florida has one of the highest uninsured driver rates in the country, and Miami-Dade County is no exception. If you're hit by an uninsured driver without UM/UIM coverage, you'll be stuck paying medical bills and repairs yourself.
We recommend Miami drivers carry at least $100,000/$300,000 in bodily injury liability, comprehensive and collision coverage, and uninsured motorist protection. Given Miami's traffic density and accident frequency, higher limits provide essential protection for your assets.
Learn More About Auto InsuranceFlood Insurance in Miami
Flood insurance is non-negotiable in Miami. Much of Miami-Dade County sits just a few feet above sea level. Coastal areas, Biscayne Bay neighborhoods, and low-lying inland areas face extreme flood risk from hurricanes, storm surge, king tides, and heavy rain. FEMA flood zones cover vast swaths of Miami.
If you have a mortgage and your property is in a high-risk flood zone, your lender will require flood insurance. But even if it's not required, flood coverage is essential in Miami. Sea level rise is accelerating, storm surge from hurricanes can push water miles inland, and "sunny day flooding" already occurs in parts of Miami Beach and downtown during high tides.
Standard homeowners insurance does NOT cover flood damage. You need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood carrier. Flood insurance covers your building and contents up to policy limits. Given Miami's flood exposure, this coverage is critical protection for your property and financial security.
Learn More About Flood InsuranceBusiness Insurance in Miami
Comprehensive commercial coverage for Miami's dynamic business community.
Miami's economy is diverse and international — finance, trade, tourism, healthcare, real estate, construction, and technology. From Brickell's financial district to the Port of Miami to South Beach's hospitality sector, Miami businesses face unique insurance challenges that require specialized coverage and expert guidance.
Miami Industries We Serve
- Hospitality & Restaurants: Miami's tourism and dining scene creates high demand for restaurant insurance. General liability, liquor liability, workers comp, and property coverage are essential. High customer volume and coastal location increase exposure.
- Construction & Contractors: Miami's construction boom demands properly insured contractors. General liability, workers comp, and commercial auto are required for most job sites. Coastal construction faces additional windstorm and flood considerations.
- Healthcare & Medical: Miami is a major healthcare destination with numerous hospitals and private practices. Medical malpractice, cyber liability for HIPAA compliance, and general liability are critical.
- Property Management: Miami's massive rental market requires property managers to carry general liability, E&O coverage, and ensure proper tenant insurance requirements.
- Retail & Professional Services: Business Owners Policies (BOPs) bundle property and liability for small Miami businesses at cost-effective rates.
Essential Business Coverage for Miami
General Liability Insurance
Protects Miami businesses from third-party claims for bodily injury, property damage, and advertising injury. Essential for contractors, restaurants, retailers, and service businesses. Most commercial leases and GCs require $1M/$2M coverage.
Workers Compensation
Florida requires workers comp for construction businesses with 1+ employees and most other businesses with 4+ employees. Covers medical expenses and lost wages for work-related injuries. Penalties for non-compliance exceed $1,000 per day.
Commercial Auto Insurance
Essential for Miami businesses with company vehicles or employees driving for work. Covers liability, collision, comprehensive, and uninsured motorist. Critical for contractors, delivery services, and service businesses navigating Miami traffic.
Miami Insurance by Industry
Specialized coverage for Miami's key business sectors.
Why Choose Greene & Associates for Miami Insurance?
South Florida Expertise
We understand Miami's unique insurance challenges — extreme hurricane risk, flood zones, condo insurance complexities, and the coastal property market.
Independent Agency Advantage
Miami's insurance market is tough. As an independent agency, we have access to 20+ carriers to find you coverage when others can't.
Fast Service & Competitive Rates
Miami moves fast. We provide quick quotes, same-day certificates, and competitive rates from multiple carriers.
30+ years protecting Florida families and businesses. Independent agency with deep expertise in South Florida's challenging insurance market. We understand Miami's hurricane risk, flood exposure, condo insurance complexities, and market volatility. As an independent agency, we have access to 20+ carriers — giving you options when others can't find coverage.
Miami Insurance FAQ
Why is home insurance so expensive in Miami?
Miami home insurance is expensive due to multiple factors: extreme hurricane risk (direct Atlantic exposure and history of major storms), high property values and rebuilding costs, frequent litigation and insurance fraud (assignment of benefits schemes), rising sea levels and flood exposure, and a shrinking insurance market as carriers exit Florida. Hurricane Andrew (1992) and recent market volatility have driven many insurers out of the state, reducing competition and pushing premiums higher. Many Miami homeowners now rely on Citizens Property Insurance (state-run insurer of last resort) which can be more expensive than private carriers.
Do I need flood insurance in Miami?
Absolutely. Miami's low elevation, coastal location, and proximity to Biscayne Bay create extreme flood risk. Much of Miami-Dade County sits in FEMA flood zones where mortgage lenders require flood insurance. Even areas not in official flood zones can flood during hurricanes (storm surge), heavy rain, and increasingly during high tides due to sea level rise. Standard homeowners insurance does NOT cover flood damage — you need a separate flood policy through NFIP or a private carrier. Given Miami's flood exposure and rising sea levels, flood insurance is essential protection, not optional.
What insurance do I need for my Miami condo?
Miami condo owners need an HO-6 condo insurance policy (also called walls-in coverage). This covers your unit's interior, personal property, liability, and loss assessment coverage for shared building damage. Your condo association's master policy covers the building structure and common areas but doesn't protect your personal belongings, interior improvements, or liability exposure. Additionally, if your condo is in a flood zone (common in Miami), you'll need separate flood insurance. Many Miami condo associations have specific insurance requirements — we can help you understand what coverage you need and ensure you meet HOA requirements.
Trusted Carriers We Represent
About Miami, Florida
Miami is Florida's largest metropolitan area and a major international gateway for trade, finance, and tourism. With over 6 million residents in the metro area, Miami faces unique insurance challenges including extreme hurricane exposure, widespread flood zones, high property values, and a volatile insurance market. The city's coastal location and low elevation make it particularly vulnerable to climate-related risks.
Get Your Free Miami Insurance Quote
Protecting Miami families and businesses with comprehensive coverage from 20+ carriers. Independent agency with access to options when others can't find coverage.