Frequently Asked Questions
Plain answers to the questions we hear most from clients in Miami and across Florida. If yours is not here, call (305) 315 4357.
What does property insurance cover?
Property insurance covers damage to buildings and personal belongings due to events like fire, theft, and vandalism. In Florida, windstorm is typically covered subject to a separate hurricane deductible. Flood is excluded and requires its own policy.
What is commercial insurance?
Commercial insurance provides coverage for business related risks, including property damage, liability, and employee related issues. Most small businesses start with a Business Owners Policy that bundles property and general liability.
How are car insurance rates determined?
Rates are based on factors such as driving history, vehicle type, age, location, credit history, and coverage levels. In Miami-Dade, ZIP code alone has a large effect. Comparing carriers is the most reliable way to lower your rate.
What does health insurance cover?
Health insurance covers medical expenses, including doctor visits, hospital stays, surgeries, and prescriptions. Marketplace plans must cover ten essential health benefits, including preventive care at no cost.
Do I need renters insurance if I have a roommate?
Yes. Each person should have their own renters insurance policy to cover their belongings and liability.
What is an independent insurance agency?
An independent agency represents multiple insurance companies rather than one. That lets us compare coverage and price across carriers and recommend what fits, instead of selling one company's product.
What is a hurricane deductible?
A separate, higher deductible that applies to hurricane damage on Florida property policies. It is usually 2%, 5%, or 10% of the dwelling coverage amount and applies once per calendar year, not per storm.
Does my homeowners policy cover flood?
No. Flood is excluded from every standard homeowners, condo, and renters policy. A separate flood policy through the NFIP or a private carrier is required.
How do I get a quote?
Call us at (305) 315 4357, fill out the quote form on this site, or email Management@newpathins.com. We will ask a few questions about what you need to insure and come back with options.
Can you help with an existing claim?
We can help you understand your policy and connect you with the right resources. For a property claim that is being disputed or underpaid, a licensed public adjuster can represent you; ask us and we will point you in the right direction.
Still have a question?
Call (305) 315 4357 or send us a few details and we will come back with options.