Home Insurance

Protect Your Home and Everything Inside

Your home is your most valuable asset. Secure it with comprehensive coverage that protects against hurricanes, flooding, theft, and more in Miami and throughout Florida.

$125

Average Monthly Rate

100%

Claims Satisfied

A+

Financial Rating

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Hurricane Protection

Flood Coverage Available

5,000+ Homes Protected

Full Replacement Coverage

Coverage Options

Complete Home Insurance Protection

Comprehensive coverage for your home, belongings, and peace of mind

Dwelling Coverage

Protects the physical structure of your home from covered perils like fire, lightning, windstorms, and hurricanes.

Structure repair/rebuild
Attached structures
Built-in appliances
Hurricane damage
Fire & smoke damage

Full Replacement Cost

Guaranteed full replacement of your home with no depreciation. Rebuild your home exactly as it was with premium materials.

No depreciation
Premium materials
Code upgrade coverage
Extended replacement
Inflation protection
Building permits covered

Personal Property

Covers your belongings including furniture, electronics, clothing, and valuable items throughout your home.

Furniture & electronics
Clothing & jewelry
Artwork & collectibles
Off-premise coverage

Liability Protection

Protects you financially if someone is injured on your property or you damage someone else's property.

Bodily injury coverage
Property damage liability
Legal defense costs
Medical payments

Additional Living Expenses

Covers your hotel, meals, and other expenses if your home becomes uninhabitable due to a covered loss.

Temporary housing
Hotel accommodations
Meal expenses
Storage costs

Water & Flood Protection

Critical coverage for Miami homes. Protects against water damage, flooding, and hurricane-related water intrusion.

Flood insurance
Water backup
Sump pump failure
Storm surge damage

Why Covera Insurance

Miami's Home Insurance Experts

Living in South Florida requires specialized home insurance. We understand hurricane risks, flood zones, and unique coverage needs for Miami homeowners.

Hurricane Specialists

Expert coverage for wind, storm surge, and hurricane damage. We know Florida's unique weather challenges.

Fast Claims Processing

Average claim processed in 72 hours. We get you back in your home faster with dedicated claims adjusters.

Bundle & Save

Save up to 25% when you bundle home and auto insurance. Plus additional discounts for security systems.

Local Expertise

Miami-based team that understands local building codes, flood zones, and community-specific insurance needs.

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FAQ

Frequently Asked Questions

Everything you need to know about home insurance in Miami

How much home insurance do I need in Florida?

Your home insurance should cover the full replacement cost of your home and belongings. In Florida, we recommend additional hurricane and flood coverage due to weather risks.

Is flood insurance required in Miami?

If you're in a high-risk flood zone and have a federally backed mortgage, flood insurance is required. Even if not required, we highly recommend it for all Miami homeowners.

What's not covered by standard home insurance?

Standard policies typically don't cover floods, earthquakes, normal wear and tear, or damage from lack of maintenance. Additional coverage can be added for these risks.

How can I lower my home insurance premium?

Install security systems, storm shutters, and impact-resistant windows. Bundle with auto insurance, increase your deductible, and maintain a good credit score.

What does hurricane insurance cover?

Hurricane insurance covers wind damage to your home and property. Note that water damage from flooding requires separate flood insurance. We help you get both coverages.

How long does it take to process a claim?

We process most claims within 72 hours. After a hurricane or major event, claims may take longer due to high volume, but we prioritize getting you help fast.

Should I get replacement cost or actual cash value?

Replacement cost coverage is better as it rebuilds your home without depreciation. Actual cash value is cheaper but may not fully cover rebuilding costs.

Can I get insurance for an older home in Miami?

Yes! We specialize in insuring older Miami homes. You may need a 4-point inspection or wind mitigation inspection to qualify for the best rates.