Buyer guides
Know what you're buying
Written for Miami property owners and drivers — no carrier is paying us to say any of this.
Why homeowners insurance in Miami costs what it does
The four things that actually set your premium in Miami-Dade — and which of them you can change before you shop.
Updated 2026-08-01
NFIP vs private flood insurance in Miami
Private flood now beats NFIP on price and limits for many Miami-Dade properties. Here is how to tell which one fits yours.
Updated 2026-07-20
What your Miami condo HO-6 policy actually has to cover
Master policies, loss assessment and milestone inspections — why the gap between the association's coverage and yours got much wider.
Updated 2026-07-05
Florida's minimum auto coverage is not enough in Miami
What the state actually requires, why it leaves you exposed here, and the two coverages worth buying before you shop on price.
Updated 2026-06-18