Tropical Insurance Agency

Phone: (305) 221-2400
Fax: (305) 552-5360
8700 West Flagler Street
Suite 230
Miami, Florida 33174


Personal Lines

Get the Lowest Homeowner's Insurance Quote in Miami

Homeowner's insurance is designed to protect a private residence, but it doesn't stop there. Homeowner's insurance policies are what are called multiple-line insurance policies. This means that they include coverage for the physical property as well as coverage from liability, and all of the coverage is paid for through a single premium. The policies combine a number of protections including damage to the home, replacement coverage for the home's contents, loss of use to cover additional expenses if the home becomes unlivable and liability insurance for any accident that happens in the home or caused by the homeowner on the property.

Tropical Insurance can help make sure that your home and belongings are covered from any unexpected incident that may occur. Our insurance agents work diligently to insure that your needs and interests are attended to. We do not work for any particular insurance company, so you can rest assured that we will find you the best deal for the coverage you need from a wide range of available insurance providers. And we only work with the most reputable and financially sound insurance providers in the country. If the day arrives when you need to make a claim, you will be dealing with a rock solid company that will step up with the help you need, and your Tropical Insurance Agent will be there every step of the way to insure everything runs smoothly. When you call Tropical Insurance Agency you will get the best service, the coverage you need and the lowest homeowner's insurance quote in Miami.

We Will Help You Find the Right Flood Insurance Quote in Miami

Flood insurance coverage for your home may be required by law if you live in an area with a high risk of flooding. Flood insurance is not included in homeowner's insurance policies and must be purchased separately. Insurance providers determine flood risk by studying topographical maps that indicate the locations of lowlands, floodways and floodplains. Since most of Miami-Dade County is close to sea level, there are a number of areas in Miami that are at a high risk for flooding.

Flood insurance protects your home and its contents from damage caused by a flood. But it is not that simple as insurance companies differentiate between flood damage and other kinds of water damage. Specifically, we are talking about accumulation of rain or water that comes from an overflow of a body of water. If this water enters your home and causes damage, your flood policy kicks in. Not covered are things like water damage from a broken pipe or water that has entered the home through a leaky roof.

Turn to Tropical Insurance Agency when you need a flood insurance quote in Miami. We will make sure that you have the right coverage at the right price.

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