Frequently Asked Questions
Straight answers to the questions Florida residents ask most about home, mobile home, auto, business, renters, and motorcycle insurance — written by a 30-year independent agency in Miami Lakes.
Coverage Insurance Agency is a boutique, independent insurance agency in Miami Lakes, Florida. It has served Florida families and businesses for more than 30 years and has insured over 1 million clients. Independent means it shops policies across multiple carriers to find the right fit, rather than representing a single company.
14750 NW 77 CT ste 208, Miami Lakes, FL 33016. Phone: (305) 239-8833. Email: info@mycoverageins.com.
Home, mobile home, auto, motorcycle, boat, renters, business, commercial business, commercial auto, and workers compensation insurance. Boat policies are written for South Florida boat owners (Miami Lakes, Hialeah, and the surrounding Miami-Dade waterways). Workers compensation is available standalone or bundled with a business policy.
Yes. The agency conducts business in both English and Spanish and operates a fully translated Spanish-language website at mycoverageins.com/es/.
All of Florida, with primary focus on Miami-Dade County including Miami Lakes, Hialeah, Doral, Miami Gardens, and Hialeah Gardens.
Florida law requires every driver to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Most drivers benefit from carrying significantly more — particularly bodily injury liability and uninsured motorist coverage, both of which are not legally required but provide critical protection.
PIP is a no-fault coverage that pays for your own medical bills and lost wages after a covered accident, regardless of who caused the crash. Florida is a no-fault state, which is why PIP is mandatory.
It depends on the type of claim, your driving history, and your carrier. At-fault claims usually impact premium more than not-at-fault. Some carriers offer accident forgiveness on the first claim. We explain how each factor plays into your renewal.
No. Standard homeowners and mobile home policies exclude flood damage. Flood coverage requires a separate policy, available through the National Flood Insurance Program (NFIP) or a private flood carrier. If you live in or near a designated flood zone, this is essential.
Wind damage from hurricanes is usually covered, often with a separate hurricane deductible (typically 2%–10% of the dwelling limit). Flood and storm-surge damage are not covered by home policies — that's flood insurance.
No. Mobile and manufactured homes require a specialized policy. Standard homeowners insurance typically does not cover them. The right policy depends on whether you own the lot or rent it, the home's age and tie-down, and storm exposure.
Enough to rebuild your home and replace your belongings at today's prices — not just what you originally paid. Dwelling coverage should reflect current Florida rebuild costs, and personal property coverage should reflect what it would cost to replace what you own. We help you calculate this during the in-person meeting.
The biggest factors in Florida are roof age and condition, location (especially proximity to the coast), claim history, dwelling and personal-property coverage limits, and whether the home has wind-mitigation features (hurricane shutters, impact windows, hip roofs).
Florida requires workers compensation for most non-construction businesses with 4+ employees, and most construction businesses with 1+ employees. Sole proprietors can usually opt out for themselves, but any employees still need coverage. Coverage Insurance Agency writes workers compensation policies — standalone or bundled with a business policy.
A BOP bundles general liability and commercial property coverage for small businesses, usually at a better rate than buying them separately. It's a good fit for many storefronts, offices, and small service businesses.
If your business handles customer data, payment information, or stores anything sensitive online, cyber liability is increasingly essential. It covers breach response, customer notification, regulatory fines, and lawsuits. We'll explain when it's worth adding.
No. Your landlord's policy covers the building, not your belongings or your personal liability. Renters insurance is what covers you. Most policies start under $20/month and can be bundled with auto for additional discounts.
No. Motorcycles require a separate policy. Your auto carrier may offer one, but you are not automatically covered by your car policy.
Three steps: (1) schedule a meeting — in person at the Miami Lakes office, by phone call, or on Zoom — whichever works best for you; (2) share the details of your situation, property, vehicles, or business; (3) we shop carriers, build the policy, and get you insured.
Independent. We are not tied to a single insurance company — we shop multiple carriers and explain the trade-offs in plain language so you can decide with confidence.
Call (305) 239-8833, email info@mycoverageins.com, request a quote on our contact page, or come visit us at 14750 NW 77 CT ste 208, Miami Lakes, FL 33016.