homeowners insurance miami florida

Homeowners Insurance

As your largest investment, it's important to make sure you have the proper home insurance coverage. We'll help you choose between the available options so your Homeowners Insurance provides the coverage you want at the lowest possible price.

Call FILER INSURANCE First!

305-270-2100

5 Reasons To Call Us For Maximum Savings

1. We'll shop the companies for the lowest possible rates.

We can place Homeowners Insurance with many different insurance companies allowing us to provide you with the best combination of coverage and cost.   The following are some of the companies that we can place coverage with:

  •     American International Group
  •     American Platinum
  •     Chubb Group
  •     Citizens Property Insurance
  •     Florida Family
  •     Olympus Insurance
  •     People's Trust
  •     Stillwater Insurance
  •     United Property & Casualty
  •     Universal Property & Casualty
  •     USF&G Specialty

2. We'll apply every possible discount.

Our experienced underwriters will make sure you get full credit for your home's wind mitigation features in addition to other discounts. Wind mitigation is extremely important in coastal areas like Miami.  These are just some of the home insurance discounts available:

  •     Wind Mitigation
  •     Hurricane Shutters
  •     Central Alarm
  •     Newer Homes
  •     Claim Free
  •     Good Credit Rating

3. We'll guide you through the process of securing your discounts.

Our agency underwriters have many years of experience guiding our clients through the process of obtaining the necessary inspections and completing the forms and applications that will secure the discounts you have earned. Anyone can quote discounts on Homeowners Insurance, but if the forms and inspections aren't done right, you won't receive the full credit on your premium.

4. We'll work with you to determine the right amount of coverage

Homes are insured for the cost to replace them in the event of a total loss. Our agency underwriters will work with you to obtain accurate information that will result in a fair calculation of what this cost would be. If the company is willing to offer a lower coverage limit on personal belongings, for example, we will extend that and any other cost saving options to you.

5. We'll be here to help you with any claims you may have.

We know a claim is the "moment of truth" where we are called upon to deliver on our promises. We'll help you report your claim immediately, follow up to be sure an adjuster comes to see you and assist in any way possible until your home insurance claim has been paid in full.

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Where we offer home insurance

We offer home insurance quotes for Miami, Coral Gables, Kendall, Pinecrest, Cutler Bay, Palmetto BayHomestead and other South Florida communities.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability, or legal responsibility, for any injuries and property damage you or members of your family cause to other people. Some insurance companies also include injury or damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.  

Why do you need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home is destroyed by fire or damaged by a natural disaster, you will need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft or vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.