Melissa Raposo

Melissa Raposo - Home, Auto & Commercial Insurance Agency in Miami Shores, FL

8730 NE 2 AVE.  El Portal,  FL.  33138. 
5.0/5 Stars (184 Reviews)

Home, Auto & Commercial Insurance Agency Insurance Agency in Miami Shores, FL

Melissa Raposo

Melissa Raposo

5.0/5 Stars (‎184 Reviews)
8730 NE 2 AVE El Portal, FL. 33138
(305) 400-9088
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  • Homeowners
  • Auto
  • Boat
  • Motorcycle
  • Renters
  • Commercial
  • Umbrella
  • Flood

Homeowners Insurance

Home is where your life happens. GreatFlorida Homeowners Insurance is assurance that your home and family will be protected from life’s unexpected calamities.

Your Local Agent with GreatFlorida Insurance will make sure your Miami Shores, FL Homeowners Insurance policy will provide adequate coverage in the event of fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Get A Free Homeowners Insurance Quote

Frequently Asked Questions (FAQs)

What does homeowners insurance cover in Florida?

A standard homeowners insurance policy in Florida typically covers the physical structure of your home, personal property, liability protection, and additional living expenses if you're temporarily unable to live in your home due to a covered loss.

Is homeowners insurance mandatory in Florida?

Homeowners insurance isn't required by law in Florida, but if you have a mortgage, your lender will likely require you to have coverage.

How are homeowners insurance rates determined in Florida?

Rates for homeowners insurance in Florida are based on factors such as the value and age of your home, its location, construction type, and your claims history.

Does GreatFlorida Home Insurance offer flood coverage?

GreatFlorida Home Insurance policies typically don't include flood coverage. However, you can purchase a separate flood insurance policy for that protection.

How can I lower my homeowners insurance premiums with GreatFlorida Insurance?

Some ways to potentially lower your premiums include installing safety features in your home, maintaining a good credit score, choosing a higher deductible, and bundling your insurance policies.

Auto Insurance

Get the wheels rolling on your Auto Insurance in Miami Shores, FL.

Collisions, theft, and damage to our vehicles can wreak economic havoc on households. Make sure to legally protect yourself against financial loss with affordable auto insurance in Miami Shores, FL, that will help cover auto repairs and related medical costs for yourself and others.

Get A Free Auto Insurance Quote

Frequently Asked Questions (FAQs)

What is the minimum auto insurance coverage required in Florida?

Florida law requires drivers to have auto insurance with a minimum of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Does GreatFlorida Auto Insurance provide uninsured motorist coverage?

Yes, GreatFlorida Auto Insurance provides uninsured motorist coverage. This coverage can protect you from damages caused by a driver who is uninsured or underinsured.

Does GreatFlorida Auto Insurance cover rental cars?

Yes, GreatFlorida Auto Insurance typically covers rental cars, but it's best to check your individual policy or consult with your insurance agent to confirm.

How does a DUI affect my auto insurance rates in Florida?

A DUI can significantly increase your auto insurance rates in Florida. It's considered a serious offense and suggests a higher level of risk to insurance providers.

How does GreatFlorida Auto Insurance handle claims?

At GreatFlorida, we strive to make the claims process as smooth as possible. You can file a claim online, over the phone, or through your insurance agent. Once the claim is filed, a claims adjuster will review it and guide you through the process.

Boat Insurance

GreatFlorida Boat Insurance Guarantees Smooth Sailing.

Not only is Florida the biggest state for boating in the USA, but it is also the most accident-prone by a large margin. Make sure to protect your vessel with a customized boat insurance policy for your lifestyle so you can kick back and relax when you're out on the water. Special insurance rates for residents of Miami Shores, FL.

Get A Free Boat Insurance Quote

Frequently Asked Questions (FAQs)

Is boat insurance required in Florida?

Boat insurance isn't legally required in Florida. However, if you have a loan on your boat or you dock it at a marina, you might be required to carry insurance.

What does GreatFlorida Boat Insurance cover?

GreatFlorida Boat Insurance typically covers damage to your boat, motor, trailer, and personal items in the boat. It also covers liability if you injure someone or damage their property.

Are there any discounts available for boat insurance with GreatFlorida?

Yes, GreatFlorida offers several discounts for boat insurance, such as a multi-boat discount, a claim-free discount, and a safety course discount.

Does GreatFlorida Boat Insurance cover me if I use my boat in a race?

Boat insurance from GreatFlorida typically doesn't cover boat racing activities. You should check with your GreatFlorida insurance agent for specific details.

How does boat insurance claims process work at GreatFlorida?

To file a claim, you can contact GreatFlorida Insurance by phone or online. A representative will guide you through the process.

Motorcycle Insurance

Ride protected. Ride with GreatFlorida Insurance.

Florida's scenic views might have you taking a detour, but that shouldn't be the case with your motorcycle insurance in Miami Shores, FL. Find insurance policies that will give you the freedom to ride at a price you can afford with GreatFlorida insurance.

Get A Free Motorcycle Insurance Quote

Frequently Asked Questions (FAQs)

Is motorcycle insurance required in Florida?

Florida does not require motorcycle insurance by law, but it's highly recommended to protect yourself and your motorcycle. If you're in an accident and do not have insurance, you could be held liable for all costs involved.

What does motorcycle insurance from GreatFlorida cover?

Motorcycle insurance from GreatFlorida can provide coverage for bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

Does GreatFlorida offer insurance for all types of motorcycles?

Yes, GreatFlorida offers motorcycle insurance for many types of bikes, including cruisers, sport bikes, touring bikes, standard, dual-purpose, dirt bikes, and more.

Can I get a discount on my motorcycle insurance?

Yes, GreatFlorida offers several discount options for motorcycle insurance, such as multi-policy, responsible driver, and motorcycle safety course discounts.

How can I get a motorcycle insurance quote from GreatFlorida?

You can request a quote for motorcycle insurance from GreatFlorida online, over the phone, or by visiting a local office.

Renters Insurance

It's Still Your Home, Even When It's Rented.

Your home is not only a place to rest your head at night. You keep your valued possessions and treasured mementos in your Miami Shores, FL house. Your landlord may have insured the structure of the property but only you can protect your personal belongings. That's where renter's insurance comes in.

Get A Free Renters Insurance Quote

Frequently Asked Questions (FAQs)

Do I need renters insurance in Florida?

While renters insurance isn't required by law in Florida, some landlords or property management companies may require it as part of the rental agreement.

What does renters insurance from GreatFlorida cover?

Renters insurance from GreatFlorida typically covers personal property, liability, and additional living expenses if you're temporarily unable to live in your rental unit due to a covered loss.

Does renters insurance cover my roommates?

No, renters insurance typically only covers the policyholder. Each roommate should consider getting their own policy.

Does my renters insurance cover flood damage?

No, renters insurance does not typically cover flood damage. You would need separate flood insurance for that.

How much does renters insurance from GreatFlorida cost?

The cost of renters insurance from GreatFlorida depends on various factors, including the value of your personal property, your coverage limits and deductibles, and the location of your rental unit.

Commercial Insurance

Protect Your Business Vehicles in Miami Shores, FL with Commercial Insurance.

As a business owner, you can’t control what people do behind the wheel, but you can get ahead of the game by protecting yourself with a sound commercial insurance policy. At GreatFlorida, our agents work hard to find you commercial auto insurance in Miami Shores, FL for your specific needs, because we know no two businesses are made equally.

Get A Free Commercial Insurance Quote

Frequently Asked Questions (FAQs)

What types of businesses does GreatFlorida Commercial Insurance cover?

GreatFlorida Commercial Insurance provides coverage for a wide variety of businesses across many industries. These include retail, hospitality, professional services, contractors, and more.

Is commercial insurance mandatory for businesses in Florida?

Certain types of commercial insurance, such as workers' compensation, are required for businesses in Florida with four or more employees. Other types of insurance may be required depending on the nature of your business.

What does commercial insurance typically cover?

Commercial insurance typically covers property damage, liability, workers' compensation, business interruption, and commercial auto insurance.

Does GreatFlorida Commercial Insurance offer coverage for home-based businesses?

Yes, GreatFlorida does offer coverage for home-based businesses. It's important to note that homeowners insurance typically does not cover home-based business losses.

How can I get a commercial insurance quote from GreatFlorida?

You can request a quote for commercial insurance from GreatFlorida online, over the phone, or by visiting a local office.

Umbrella Insurance

The Superhero of Insurance Products.

Umbrella insurance is the shield you need to help protect you from tapping into your savings, future earnings, and investment funds. Umbrella insurance goes a step beyond traditional policies, covering a wide variety of cases to make sure you're financially protected when faced with major incidents or accidents in Miami Shores, FL.

Get A Free Umbrella Insurance Quote

Frequently Asked Questions (FAQs)

What is umbrella insurance?

Umbrella insurance is a type of liability insurance that goes above and beyond the coverage limits of your other insurance policies, such as homeowners or auto insurance. It can provide extra protection in case of a large claim or lawsuit.

Who needs umbrella insurance?

Umbrella insurance is a good idea for anyone who has assets that could be at risk in a lawsuit. This could include homeowners, car owners, and especially those with a high net worth.

How much umbrella insurance do I need?

The amount of umbrella insurance you need depends on your personal risk factors, including your assets and potential for liability. It's best to speak with a GreatFlorida agent to determine the right amount of coverage for you.

What does umbrella insurance from GreatFlorida cover?

GreatFlorida Umbrella Insurance typically covers large liability claims related to your home, auto, or boat insurance that exceed your standard policy limits.

Does umbrella insurance cover business activities?

Umbrella insurance typically does not cover business activities unless you have a specific commercial umbrella policy. Always check with your GreatFlorida agent to clarify your coverage.

Flood Insurance

Flood Insurance Covers What Your Homeowner's Doesn't.

What is flood insurance? Whether you're native or a new resident of Miami Shores, FL, you are likely familiar with the temperamental weather and hurricane-prone climate of the Sunshine State. It only takes a few inches of water to rack up tens of thousands of dollars worth of damage. Shield your home in Miami Shores, FL with a flood insurance policy to avoid economic disaster when storms strike.

Get A Free Flood Insurance Quote

Frequently Asked Questions (FAQs)

Is flood insurance mandatory in Florida?

Flood insurance is not mandatory for all residents in Florida. However, if your property is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you are required to have flood insurance.

Does homeowners insurance cover flood damage?

No, standard homeowners insurance policies do not cover flood damage. Flood insurance must be purchased separately.

What does flood insurance from GreatFlorida cover?

Flood insurance from GreatFlorida covers physical damage to your home and personal belongings from floodwaters. It's important to note that coverage limits and exclusions may apply.

How can I find out if my home is at risk of flooding?

You can use the FEMA Flood Map Service to determine your home's flood risk.

Does flood insurance cover damage from hurricanes?

Yes, flood insurance covers damage caused by flooding, which can be a result of hurricanes. However, it does not cover wind damage from hurricanes. This would typically be covered under your homeowners insurance.
Agent Since
2016

Insurance Coverage

About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 141 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

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