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Best Windstorm Insurance Agents in Miami, FL

Wind is separated out of many Miami-Dade policies and priced on its own. These agencies handle wind-only coverage, Citizens placements, and the excess and surplus market for properties standard carriers will not touch.

64 insurance agencies listed · Updated August 2026

Licensed 20+ yrsHomeowners InsuranceMiami Beach

Miami Beach brokerage spanning personal lines, Florida Blue health and Medicare plans, and life products through Banner and Integon-affiliated auto markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Self-styled 'Insurance Ladies' of Coral Gables, writing home, wind, auto and commercial coverage with Citizens, Universal, Foremost and Infinity; also licensed for surety. Serving since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Independent Doral agency quoting home and auto across Citizens, Universal, Progressive and Selective, with surety bonds through Western Surety. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura personal-lines agency quoting home and auto through Citizens, Mercury, Foremost, Olympus and United Automobile. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceNorth Miami

North Miami agency writing home, condo and commercial risk with Universal and Great Midwest among its carriers, plus supplemental life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral independent agency covering home, flood, auto, commercial and marine risk, with health and supplemental lines through Florida Blue and Aflac. Its agent in charge also holds a public adjuster license. Serving Miami since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral agency concentrated on Florida property risk — appointed with Citizens, Universal, TypTap, ASI and Homeowners Choice — plus health coverage. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah independent covering home, hurricane, auto and small-business risk, with markets including Progressive, United Automobile and Security National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah State Farm agency handling home and auto — including Southern Oak and Citizens property placements — with life and health coverage; the agent in charge also holds an all-lines adjuster license. Serving since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

State Farm agency in Coral Gables handling auto, home and windstorm coverage along with State Farm life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah's Choice Insurance Group writes home, flood, windstorm, auto and commercial packages — Universal, Responsive Auto and Progressive among its markets — with an all-lines adjuster on staff. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana general lines agency writing homeowners, auto and workers' compensation through Citizens, Progressive and the Bridgefield companies. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Florida Farm Bureau agency in Homestead writing home, flood, auto and life coverage through the Farm Bureau companies and partner carriers. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah agency covering home, flood, wind and auto through Citizens, Universal, Progressive and American National, plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral consultancy writing personal auto and Florida homeowners — Southern Oak, Heritage and Citizens appointments — alongside life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

E & L Insurance on Calle Ocho writes Miami home, flood, condo and car insurance plus small-business coverage, with life markets including Pacific Life and Banner. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables agency covering home, wind, auto and marine — Southern Oak, Progressive and GEICO Marine appointments — plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceNorth Miami

Eckert Insurance in North Miami writes home, wind and auto coverage with Citizens, Universal, Homeowners Choice and Security National among its markets, plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables independent writing home, wind, auto and commercial risk with Citizens, Homeowners Choice, Markel and Condo Owners Reciprocal Exchange among its markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura-based independent writing home, auto and commercial packages — Homeowners Choice, Vault Reciprocal and Western Surety appointments — plus life products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Golden Global in Aventura covers home, flood, auto and business risk with Universal, Citizens, Florida Family and Progressive appointments, plus surplus lines capacity. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Gruber & Associates in Homestead writes homeowners, condo, auto and small-business coverage with Southern Oak, TypTap, Citizens and American Modern among its carriers. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Aptly named Homestead agency writing Florida property and auto — Citizens, TypTap, Olympus and Progressive appointments — plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables State Farm agency writing auto, home and Citizens windstorm placements plus life products through State Farm Life and Jackson National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Homestead agency writing home, wind and auto with Citizens, Universal and Progressive, plus life and health coverage through Banner and All Savers. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

State Farm agency in Little Havana writing auto, home and windstorm coverage plus health and life products; agent in charge holds an all-lines adjuster license. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Homestead agency covering home, wind and auto — Universal and Infinity appointments — with life and health markets including Protective and Golden Rule. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Kendall State Farm agency handling auto, homeowners and hurricane coverage along with life and health lines. FL DFS licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

State Farm agency in Kendall writing auto, home and windstorm coverage — including Citizens placements — plus State Farm life and health products. Serving the area since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

LP Insurance Associates in Hialeah writes home, commercial and auto risk with Southern Oak, Philadelphia Indemnity, Selective and Homeowners Choice appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables State Farm agency writing auto, home and windstorm coverage plus life products through State Farm Life and Jackson National; agent in charge holds an all-lines adjuster license. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral general lines agency writing home, condo, auto and commercial business, with Citizens, Southern Oak and Progressive appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Cardillo Insurance, run from Coral Gables, writes auto, home, flood and small-business coverage through Ocean Harbor, Citizens, Foremost and Universal. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables agency covering home, flood, hurricane, condo, auto and business insurance — appointed with Universal, TypTap, Citizens and Slide. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Longstanding State Farm agency in Kendall — agent in charge Manuel Morin has held a Florida general lines license since 2000 — writing auto, home, Citizens windstorm placements, and life and health coverage.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

State Farm agency in Coral Gables writing Florida auto and home insurance — including Citizens placements — plus life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura agency focused on Florida property and workers' compensation — Citizens, Universal, Homeowners Choice and the Bridgefield companies — plus health and life lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana agency writing personal and business insurance — home, flood, wind, auto and workers' comp — with Citizens, Universal and American Bankers flood among its markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Independent Kendall brokerage licensed with Florida DFS since 2006, quoting personal auto through carriers like Progressive and Integon alongside homeowners placements with Universal Property & Casualty. Life and annuity products are also written in-house.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana State Farm agency covering auto, home and Citizens placements, with life products through State Farm Life, Jackson National and Pacific Life. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana independent — in business per its own site since 1995 and DFS-licensed as an agency since 2006 — quoting home, flood, condo, auto and commercial risk with Citizens, Universal, Progressive and Responsive Auto.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceMiami Beach

South Beach independent focused on barrier-island property — American Strategic, Universal and AIG appointments — plus personal auto. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

State Farm agency in Hialeah writing auto, home and Citizens windstorm placements plus life products with Pacific Life and State Farm Life, and Humana health plans. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Independent personal-lines shop in Kendall placing homeowners business with Universal, Slide and Citizens, and auto with Progressive. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 19+ yrsHomeowners InsuranceMiami Beach

Miami Beach agency writing homeowners and windstorm coverage alongside a life and annuity practice with Everlake, Pruco and Midland National. Licensed since 2007.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 18+ yrsHomeowners InsuranceHomestead

Homestead agency quoting home and auto through Homeowners Choice, Infinity and Progressive, with life products alongside. Licensed since 2008.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 17+ yrsHomeowners InsuranceNorth Miami

North Miami agency with a life, Medicare-supplement and final-expense focus — American-Amicable, Continental Life and Illinois Mutual appointments — plus personal lines. Licensed since 2009.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 16+ yrsHomeowners InsuranceNorth Miami

North Miami personal-lines agency writing home and auto through Monarch National, TypTap, Citizens, Universal and Progressive. Licensed since 2010.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 16+ yrsHomeowners InsuranceWynwood & Edgewater

Edgewater agency pairing personal lines with a life and health practice appointed with Pan-American Life, Cigna and Ameritas. Licensed since 2010.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 15+ yrsHomeowners InsuranceMiami Beach

AllStar Insurance Services on Miami Beach quotes home, flood, condo and auto coverage — Homeowners Choice, Monarch National and American Bankers flood among its markets — with surplus lines capacity for harder risks. Licensed since 2011.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 15+ yrsHomeowners InsuranceHomestead

DTRT Insurance Group in Homestead covers home, flood, wind, condo, auto and business risk, with health and life markets including Cigna, Florida Blue and Prudential. Licensed since 2011.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 14+ yrsHomeowners InsuranceMiami Beach

Miami Beach agency covering home, condo, auto, boat and business insurance, appointed with Universal, Homeowners Choice, Security National and MetLife. Licensed since 2012.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 13+ yrsHomeowners InsuranceBrickell

Brickell agency writing home, wind and auto coverage through Ocean Harbor and Clear Spring, plus Molina health plans and Primerica life. Licensed since 2013.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 12+ yrsHomeowners InsuranceMiami Beach

Independent Miami Beach agency writing home, condo, auto and small-commercial packages through Citizens, Universal, Progressive and Security First. Licensed since 2014.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHomeowners InsuranceCoconut Grove

Coconut Grove agency writing home, flood, wind and auto coverage through People's Trust, Universal, Citizens and Progressive. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHomeowners InsuranceWynwood & Edgewater

Home Port Insurance, a Liberty Company partner in Edgewater, writes home, flood, auto and marine coverage with Florida Peninsula, Edison and People's Trust among its carriers. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 7+ yrsHomeowners InsuranceWynwood & Edgewater

Noble Insurance in Edgewater covers home, auto, commercial and life coverage for Miami clients, with Voya, Symetra and Aflac among its appointments. Licensed since 2019.

Compiled from public business listings. Not yet confirmed by the owner.

What to check before you buy windstorm & hurricane in Miami

  • Wind-only policies pair with an ex-wind homeowners policy. Make sure both exist and that the deductibles do not leave a gap between them.
  • Citizens is the insurer of last resort, not a default. If a private carrier will take you at a comparable price, Florida law may require you to move.
  • Hurricane deductibles are typically 2%, 5% or 10% of dwelling coverage. On a $600,000 home, that is a $12,000 to $60,000 difference out of pocket.
  • Opening protection — impact windows or approved shutters on every opening — changes the rate materially. Partial protection often earns nothing.
  • Ask when the deductible resets. Florida uses a calendar-year hurricane deductible, so a second storm in the same season may not restart it.

Other coverage types