Practical guides and answers to common Florida insurance questions.
A 330-day hurricane drought is still a Coverage D conversation. How Sunny Isles Beach owners should read HO-3 and HO-6 loss of use versus NFIP’s hotel gap during September–October king tides.
Read ArticleOIR approved four more HO decreases on September 22 for 62,000 policies. Gonzalo is a Cabo Verde fish storm. How Sunny Isles Beach owners should read statewide averages against HVHZ, flood, and a Citizens renewal.
Read ArticleTropical Storm Fay is a distant fish storm. King tides start September 24. How Sunny Isles Beach drivers should read comprehensive vs PIP, garage flooding, and why NFIP never covers the car.
Read ArticleA record-quiet Atlantic week is still a 30-day NFIP wait. How Sunny Isles Beach owners should compare the $250k/$100k federal caps, private and supplemental flood, additional living expenses, and the September 24 king-tide window.
Read ArticleA record-quiet Atlantic peak is the window to size the HO-6 limit that pays a storm assessment. How Sunny Isles Beach owners should read a 2026 letter — SIRS and 25-year recertification vs. the $2,000 statutory floor.
Read ArticleA record-quiet Atlantic peak does not cover a ground-floor storefront. What a BOP includes — and why flood, liquor liability, and workers’ compensation sit outside it — for Collins Avenue businesses in ZIP 33160.
Read ArticleCitizens already requires flood for $400k+ Coverage A homes — including Zone X. HO-6 condos stay exempt. How Sunny Isles Beach homeowners should use a record-quiet 2026 peak, NFIP’s Dec. 11 extension, and the January 1, 2027 remaining phase-in.
Read ArticlePeak hurricane season is quiet so far in 2026 — which is the NFIP waiting-period window. How Sunny Isles Beach tenants should read HO-4 coverage, contents-only flood, hurricane deductibles, and lease additional-insured rules.
Read ArticleFlorida’s OIR-B1-1802 form changed April 1, 2026, and Citizens revised HO-4/HO-6 credit tables July 1. How Miami-Dade HVHZ homes and Collins Avenue condos should document inspections — and what the 15-year roof-age rule still does.
Read ArticleThe October 20, 2026 Citizens assumption is next — choice deadline October 5. How the 20% takeout rule works for coastal condo owners, and what to compare besides the estimated premium.
Read ArticleCitizens cut many personal-line rates in 2026, but condo association master policies went up. How Sunny Isles Beach owners should read HO-6 relief, July 1 commercial-residential increases, and SIRS assessments.
Read ArticleFlorida auto rates are falling in 2026, but PIP is still required. A Sunny Isles Beach guide to comparing coverage — not just the headline premium — for Miami-Dade drivers.
Read ArticleWind, storm surge, and flood are often three different insurance conversations. A 2026 guide for Sunny Isles Beach homeowners and condo owners on hurricane deductibles, Miami-Dade's HVHZ, and what to review before peak season.
Read ArticleFlorida condominium owners face a unique coverage situation — your unit, belongings, and liability may not be covered by your association's master policy. Here's what to understand about HO-6 insurance in Sunny Isles Beach and across Florida.
Read ArticleA common misconception. Standard homeowners and condo policies generally do not cover flooding from external water sources. Here's what South Florida property owners need to know about flood insurance.
Read ArticleFlorida operates under a no-fault insurance system, making PIP coverage an important part of auto insurance for Sunny Isles Beach and South Florida drivers. Here's a plain-language overview.
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