Miami & South Florida Business & Personal Insurance

South Florida is the most capacity-constrained property market in the country. Hurricane deductibles, Citizens depopulation, condo master-policy structure after the post-Surfside reforms, and a short-term rental economy concentrated in Miami Beach and Brickell all make Miami-Dade placements a specialist's job. We work with the admitted and surplus-lines carriers still writing wind in Dade and Broward and structure programs so the hurricane, flood, and liability layers actually fit together.

What Carriers Price in Miami

• ✓ Hurricane deductibles are separate from the all-other-perils deductible and are commonly 2%, 5%, or 10% of Coverage A; they trigger on a named storm and, for multi-building owners, often apply per building.
• ✓ Condo unit owners need HO-6 coverage aligned to the master policy's walls-in or all-in structure, plus loss-assessment coverage sized to post-Surfside reserve and repair assessments.
• ✓ Storm surge and rain flooding are excluded from every wind policy; NFIP and private flood are a required second layer for most coastal and canal-front properties.
• ✓ Contractors face Florida's mandatory workers' comp from the first employee, Miami-Dade product-approval (NOA) requirements for roofing and openings, and lender-driven builders risk on every mid-rise project.

Who We Insure in Miami

Areas We Serve Around Miami

• Brickell & Downtown
• Miami Beach & South Beach
• Coral Gables & Coconut Grove
• Doral & Airport West
• Aventura & North Miami Beach
• Kendall & West Miami-Dade
• Fort Lauderdale & Broward
• Homestead & South Dade

Miami Insurance Questions We Hear Most

What is a Florida hurricane deductible?

A separate deductible, typically 2%, 5%, or 10% of your dwelling or building limit, that applies when the National Hurricane Center has named a storm. It is charged once per calendar year on personal residential policies, but commercial policies often apply it per occurrence and per building.

Does my Miami condo HO-6 need loss-assessment coverage?

Yes. After the 2022 condo-safety reforms, associations levy special assessments for reserves and structural repairs. Loss-assessment coverage of $25,000–$100,000 is inexpensive and frequently under-bought.

Can I insure a Miami Beach short-term rental?

Yes, with a dedicated STR dwelling and liability program, not a homeowners policy. Carriers will ask about city licensing, condo association rental minimums, and occupancy. Coastal wind terms apply.

Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Deductible figures are illustrative. Availability, eligibility, and pricing vary by carrier and risk. Submitting a request does not bind coverage. Wirehaired Trust is a dba of Pointeriaus, a licensed independent property & casualty insurance agency in Texas and Florida.