Bal Harbour Homeowners Insurance

A shining enclave at the northern tip of Miami Beach, Bal Harbour Village holds a unique appeal for the world’s most discerning travelers seeking the most exquisite Miami resorts. The Village exudes impeccable, contemporary style with deluxe oceanfront hotels, resorts, residences, ultra-chic shopping, and an excellent dining options selection. Yet Bal Harbour Village remains a natural paradise with pristine, white sand beaches and a serene spirit. Discover the exquisite and exclusive Bal Harbour.

Bal Harbour is a beautiful community in Broward County, Florida. Located near Miami, Fort Lauderdale, and Pampano Beach, residents of Bal Harbour enjoy easy access to nonstop adventure and some of the best beaches in the south. The only downside to living in this charming community is the volatile weather. Make sure you’re prepared by investing in reliable Florida homeowner’s insurance. Our Independent Insurance Agents specialize in helping Bal Harbour homeowners find the most affordable rates on home insurance. Whether you’re purchasing your first home or looking for most budget-friendly coverage options, our caring agents are happy to assist you.

National yearly premium average: $1,034
Florida yearly premium average: $1,103
14th most costly premium in the US.

Florida’s home insurance rates are typically higher than the national average, but your price will largely depend on where you live and the size and age of your home. Our agents can help you find the most affordable rates by matching you with discounts for energy efficiency upgrades, security systems, and bundled coverages.

Second Home and Vacation Home Insurance

Bal Harbour is a beautiful place to spend your vacation, but owning a vacation home can present some unique challenges. Because the house may go unoccupied for long periods, it could be more prone to theft and vandalism. If you choose to use the second home for rental income, there is always the risk of tenants or visitors that cause property damage. Our Independent Insurance Agents can help you address these risks with the best home insurance plan for your situation.

Number of Thefts in Florida

The national number of burglaries: 37,824
Florida Number of robberies: 3,326

Although Bal Harbour is generally considered a safe city, there are occasional problems with local break-ins and robberies. Every homeowner should take precautions by locking doors and windows and installing security systems when possible. The best safeguard is a comprehensive homeowner’s insurance policy, which will compensate you for stolen valuables if a break-in happens to your residence.

What are the risks in Bal Harbour?

Bal Harbour is located in a high-risk hurricane zone, with 76 recorded hurricanes since 1930. This city also sees frequent tornado activity, with an average of 4 tornadoes per year and a total of 235 since 1950. As a homeowner in Bal Harbour, you can’t afford to skimp on homeowner’s insurance because property damage is nearly unavoidable over the lifetime of a typical mortgage.

Number of Catastrophes in Florida

Number of disasters in Florida: 594
Number of Hurricanes in Florida: 23
One in fifteen insured homes has a claim each year.

Florida is no stranger to bad weather with annual hurricanes that can leave widespread destruction and millions of dollars in property damage. While living in the Sunshine State offers some major benefits, you will still have to contend with the unpredictable weather and frequent need for property repairs. Our insurance agents can help you choose a home insurance plan that offers maximum protection for your Florida home.

Compare Bal Harbour Home Insurance Quotes

Many homeowners are tempted to choose the first home insurance plan they see, but this could be a costly mistake. The best way to find affordable coverage is by comparing rates, and Independent Insurance Agents make that more comfortable than ever before. Our agents provide free rate quotes on multiple policies, giving you a chance to examine all of your options before deciding which homeowner’s insurance plan is right for your property.

Contact an agent to learn more about your home insurance options and receive a free quote on Bal Harbour home insurance today.