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Miami-Dade County FL Insurance

Looking for insurance in Miami-Dade County, FL? Miami-Dade County sits at Florida’s southeastern tip, where the Atlantic coastline, the barrier islands of Miami Beach and Key Biscayne, and low-lying neighborhoods along Biscayne Bay create significant hurricane, wind, and storm-surge exposure. The county falls within the Florida Building Code’s High-Velocity Hurricane Zone, and Hurricane Andrew’s 1992 landfall near Homestead reshaped how homes here are built and insured. Many properties also sit in FEMA-mapped flood zones, making NFIP or private flood coverage an important consideration.

Cornerstone Insurance is an independent Florida agency headquartered in Odessa that compares 15-20+ A-rated carriers to find the right fit for Miami-Dade residents. Explore homeowners, auto, flood, and umbrella coverage for Miami, Hialeah, and the other communities listed below.

Start comparing Miami-Dade County, FL insurance options with the city links below.

Cities we serve in Miami-Dade County

New to Florida insurance or shopping a renewal? Read our 2026 Guide to Florida Homeowners Insurance or get a free quote from our team.

Scott W.
We have used Kyle Wilson with Cornerstone Insurance in FL for our homeowners the past 2 years. He has provided excellent customer service for us so when we recently moved we had him quote us with an auto policy. His rates were much better than the other agents we requested quotes from so now have him covering everything for us. We appreciate his quick responses along with his professionalism.
Vanna D.
Kari is super friendly and helpful. She shared information and helpful suggestions freely.
Gillian A.
Excellent!
STEVE H.
KARI TATE WAS PROFESSIONAL AND COURTEOUS IN DISCUSSIONS ABOUT POTENTIAL HOME INSURANCE CONSIDERATIONS.
Kari M.
Jame did a awesome job in getting us placed with a new hoeowners policy on very short notice after our existing policy got non-renewed. He was prompt, efficient, friendly and courteous and got the job done! I would highly recommend him!