FAQs

Q: ¿Cuál es el seguro de auto más barato en Florida?

No hay una compañía que sea la más barata para todo el mundo, y desconfíe de quien se lo prometa. La misma aseguradora que le da el mejor precio a su vecino puede darle a usted el peor, porque cada una califica distinto el código postal, la edad, el historial y el carro. Por eso comparamos varias compañías por usted en lugar de venderle una sola.

Q: Does renters insurance cover hurricane or flood damage?

Wind damage is normally covered. Flood is not, and in Miami that distinction is the whole ballgame. Storm surge and rising water are flood, which needs a separate policy. If you are on a ground floor anywhere near the water, ask us about it before June rather than after.

Q: What is an HO4 policy?

HO4 is simply the industry name for a renters policy. If you see it on a lease or a quote, that is what is being asked for. It covers your belongings, your liability, and your living costs if the place becomes uninhabitable.

Q: Is renters insurance required in Florida?

Not by the state, but very often by your lease. A large share of Miami landlords and property managers now require proof of it before handing over keys. We covered the wider picture in our Florida renters insurance guide .

Q: Do you cover apartments and condos?

Yes, and they are the majority of what we write in Miami. If you rent a condo, your policy sits alongside the association master policy, which covers the building itself. What falls to you depends on that association, so tell us where you are renting and we will sort out the line.

Q: Does my landlord's insurance cover my belongings?

No. This is the single most common misunderstanding we run into. Your landlord insures the building. Your furniture, electronics, clothes and everything else inside are yours to insure. If the unit floods or burns, their policy rebuilds the walls and does nothing for what was between them.

¿Cuál es el seguro de auto más barato en Florida?

Does renters insurance cover hurricane or flood damage?

What is an HO4 policy?

Is renters insurance required in Florida?

Do you cover apartments and condos?

Does my landlord’s insurance cover my belongings?