What types of insurance does Insurance Risk Advisors offer?

Insurance Risk Advisors offers homeowners insurance, condo insurance (HO-6), auto insurance, business insurance, commercial general liability, commercial property, workers compensation, life insurance, and health insurance throughout South Florida.

What areas does Insurance Risk Advisors serve?

We serve all of South Florida including Sunrise, Fort Lauderdale, Miami, Coral Springs, Pembroke Pines, Hollywood, Boca Raton, Deerfield Beach, Pompano Beach, and Hialeah across Broward County, Miami-Dade County, and Palm Beach County.

Is Insurance Risk Advisors an independent insurance broker?

Yes. As an independent broker we work with multiple A-rated carriers including AIG, Chubb, Progressive, and Travelers to find you the best coverage at the best price.

How do I get a homeowners insurance quote in South Florida?

Call (954) 226-5424 or complete our online quote form at insriskadvisors.com/homeowners-insurance-quote/. We need your property address, year built, roof age, roof type, construction type, square footage, and whether it is a primary home, secondary home, or rental.

What information is needed for a condo insurance quote?

For a condo insurance quote we need the property address, number of stories in the building, which floor the unit is on, and whether it is a primary residence, seasonal home, or rental unit. Call (954) 226-5424.

What does commercial general liability insurance cover?

Commercial general liability (CGL) insurance protects your business from claims of bodily injury, property damage, and personal or advertising injury. It covers legal defense costs and settlements. We serve Broward, Miami-Dade, and Palm Beach County businesses.

How much does business insurance cost in South Florida?

Business insurance costs vary by industry, number of employees, revenue, and coverage limits. As an independent broker we shop multiple carriers for the best rate. Call (954) 226-5424 for a free quote.

Homeowners Insurance for Rental Properties in Miami-Dade County

Miami-Dade County is one of the strongest rental markets in the country, driven by a large population of renters, seasonal demand, and a robust short-term rental market in many neighborhoods. If you own rental property in Miami-Dade — whether a single-family home, condo, duplex, or multi-family property — insuring it correctly is essential to protecting your investment and your income stream.

Why Standard Homeowners Insurance Does Not Work for Rentals

This is one of the most important points for Miami-Dade property investors to understand: a standard homeowners insurance policy (HO-3) is designed for owner-occupied properties. If you rent your property to tenants and something happens — a fire, a hurricane, a liability claim from an injured tenant — and your carrier discovers you were renting the property under a homeowners policy, your claim can be denied. This is considered a material misrepresentation of the risk, and it voids your coverage when you need it most.

What Landlord Insurance Covers for Miami-Dade Investors

A proper landlord policy (dwelling fire policy, DP-3) covers the physical structure of the property, landlord liability if a tenant or visitor is injured on the premises, loss of rental income if the property becomes uninhabitable due to a covered loss, and fair rental value coverage. It does not cover the tenant’s personal belongings — they need their own renters insurance. We strongly recommend Miami-Dade landlords require proof of renters insurance as a lease condition.

Short-Term Rentals in Miami-Dade: Special Considerations

Miami-Dade has a thriving short-term rental market, particularly in areas popular with tourists and business travelers. Standard landlord policies may exclude short-term rental activity, particularly Airbnb and VRBO listings. If you operate a short-term rental, discuss your situation specifically with Insurance Risk Advisors so we can match you with carriers that properly cover short-term rental operations.

Ready to Get Your Free Quote?

Call Insurance Risk Advisors today. Manny Miceli and the team shop multiple A-rated carriers to find you the best rate in South Florida.

📞 Call (954) 226-5424 Get a Free Quote Online

Call Insurance Risk Advisors at (954) 226-5424 or get a free quote online. Proudly serving Sunrise, Fort Lauderdale, Coral Springs, Pembroke Pines, Boca Raton, Hollywood, Miami, and all of Broward, Miami-Dade, and Palm Beach County.