Homeowners Insurance in Miami, FL

Your home is likely the largest asset you own. A homeowners policy protects the structure, the things inside it, and you personally if someone is injured on your property or you are held responsible for damage to others.

New Path Insurance is an independent agency in Miami. We work with multiple carriers, so we compare options for you instead of pushing one company's product.

What homeowners insurance covers

• Dwelling: the structure of your home, including attached structures
• Other structures: detached garages, fences, sheds
• Personal property: furniture, electronics, clothing, and other contents
• Loss of use: additional living expenses if you cannot live in the home after a covered loss
• Personal liability: if you are legally responsible for injury or property damage to others
• Medical payments to others: smaller injury claims regardless of fault

What Florida owners should know

Florida homeowners policies have features you will not see in most other states. Hurricane coverage carries a separate deductible, usually 2%, 5%, or 10% of the dwelling limit, and it applies once per hurricane season. The roof's age and material affect eligibility and price more than almost any other factor, and many carriers require a wind mitigation inspection and a four point inspection on older homes.

Standard homeowners policies do not cover flood. If your home is in or near a flood zone, or your lender requires it, flood coverage is a separate policy. We can quote both together.

Common questions

Why is my Florida homeowners premium so high?

Hurricane exposure, roof age, litigation costs, and reinsurance pricing all drive Florida premiums. An independent agent can shop your home across carriers, and a wind mitigation inspection can earn credits that lower the price.

What is a wind mitigation inspection?

A licensed inspector documents features that help your home resist wind damage, such as roof shape, roof attachment, and opening protection. Florida carriers are required to give premium credits for qualifying features.

Does homeowners insurance cover mold or water damage?

Sudden and accidental water damage, such as a burst pipe, is generally covered. Long term seepage, maintenance issues, and flood are not. Mold coverage is usually limited to a small sublimit. Read the policy or ask us to walk you through it.