Miami Homeowners Insurance

Home Insurance Premium is high in South Florida; We can help you Save Money and Protect your Possessions today!

Best Rates for Luxury Homes over $1,000,000 in R.C. with Wind & Hurricane, Call Us Today at (954) 454-9599

Ask Us for Newer Home Discounts (Homes built after 2003)

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Our home is a valuable asset that we own; we provide complimentary High-Value Luxury Homeowners Insurance quotes, includes adequate coverage at the right price. We work with the best home insurance companies that have the flexibility to fulfill all of your insurance needs.

We have the capability to ensure homes anywhere from $250,000 up to high-value homes of $10,000,000 in construction cost, and most of all, give you a peace of mind that comes only from the knowledge that your residence is well protected. In many cases, this insurance policy includes hurricane, windstorm, and flood coverage. We also ensure scheduled items like jewelry and fine arts. In addition, we help you mitigate any future claim you might encounter as a result of a loss.

What does Luxury Homeowners Insurance Policy cover?

  • Dwelling – the policy limit is calculated based on its 100% replacement cost.
  • Liability – to protect you or members of your family against any legal action; policy limit is up to $1 Million including defense and court cost.
  • Contents – to ensure your belongings such as furniture, clothing and electrical equipment, the claim is evaluated according to current replacement cost.
  • Loss of Use – In the event of your home is damaged due to a hurricane, fire or other unexpected catastrophes, this policy pay for the use of a hotel or for short-term rental apartment.
  • Fine Arts and Jewelry – We cover high-ticket items like jewelry and fine arts, a separate application is submitted for quoting with a current appraisal and pictures.
  • Hurricane and Wind – cover your home for natural disaster caused by a Named Hurricane or High Windstorm
  • Personal Umbrella – cover you and your family against any personal liability claim that exceeds your policy maximum liability limits of $300,000; personal umbrella policy is available up to the limit of $25 Million.

Florida Homeowners Insurance Special Coverage Endorsement

We work with A-Rated insurance companies, knowing that your property assets are fully protected when needed. We ensure luxury homes ranging from $1,000,000 up to $10,000,000 in construction cost value; homes are located in South Florida and are used as a primary residence or vacation home (Central Alarm is required). Some of the added benefits of your Home Insurance Policy are:

  • Contents replacement cost
  • Additional Living Expenses
  • Hassle-free claim handling
  • Boat dock and lift coverage
  • Total restoration and rebuilt according to current city codes
  • Extended dwelling replacement cost up to 125%
  • Protection of your high-value items like jewelry and fine arts

What is the cost of Homeowners Insurance in Florida?

To receive a High-Value Homeowners Insurance quotes today,  please fill out a request form. Our local Agent is ready to help you find an affordable package policy deal. For any questions, please feel free to call G. Zein Insurance Services now at (954) 454-9599 or (866) 454-9555.

How to get discounts for lower Homeowners Insurance premium?

  • Have an updated roof
  • Have a prior policy coverage
  • Install shutters or impact windows
  • Free of any claim for the past three years
  • Install a fire and burglar alarm connected to a central alarm station

We write Home Insurance with:

Lexington Insurance, Chubb Insurance, Chartis Insurance, Fireman’s Funds, Citizens Insurance, Universal Property Casualty, Federated National, AIG, Lloyd’s of London, Bankers, St John insurance.

We write Homeowners Insurance in the following locations:

Hallandale Beach, Davie, Aventura, Sunny Isles, Miami, Key Biscayne, Ft Lauderdale, Las Olas, Hollywood, West Palm Beach, Cooper City, and Broward County.