Miami Lakes home insurance through NSI protects your home and your family.

Learn how NSI can meet all of your Miami Lakes home insurance needs.

Why NSI?

At NSI, our goal is to help homeowners in Miami Lakes find the insurance policies that satisfy their needs, lifestyle, and budget. With over 60 years of experience in the insurance industry, exceptional customer service, a variety of insurance products, generous discounts, and highly competitive rates, we can help you find an affordable policy and ensure your most valuable assets are protected.

Protect Your Miami Lakes Home & Possessions

Homeownership is exciting, but it’s important to be prepared to face the risks and challenges that come with it. A standard homeowners insurance policy can cover damages caused by a range of unexpected events, including:

• Fire and smoke damage
• Hail damage
• Theft
• Water damage
• Damage from falling objects
• Vandalism
• And more

In addition to covering property damage, a home insurance policy can also cover your valuable belongings, from furniture and appliances to jewelry and family heirlooms.

How much coverage do I need?

If you are a renter, be sure to check with your landlord or property management company to determine the minimum amount of coverage required. Otherwise, the amount of coverage you need depends on several factors including:

• The market value of your property
• Your home’s estimated replacement cost
• The location of your home
• The replacement cost for valuables

These factors should be major considerations when determining what level of coverage you need. Generally, it is recommended that homeowners insure their home for the entirety of its estimated replacement cost.

Do I also need flood insurance?

As most homeowners insurance policies do not provide protection against flooding, taking out a dedicated flood insurance policy can be a good idea. Flood insurance offers coverage for structural and mechanical damage, debris clean-up, floor surfaces (like carpeting and tile), and other damages caused by flooding. If you live in a flood zone, our agents can help you find an affordable policy to cover damages from flooding. Call our office for more details.

Coverage Options

Home insurance can go beyond protecting your property and belongings. Other coverage options include but are not limited to:

• Expense Reimbursement: Covers additional expenses, such as living expenses, that you may face after a covered loss. For example, if a fire destroys your home and forces you to temporarily live in a hotel, this coverage can reimburse those expenses.
• Personal Liability: Liability coverage can be extremely important if someone is damaged on your property or by your property. Liability covers medical and legal expenses if someone is injured on or by your property.
• Umbrella Insurance: Personal umbrella insurance provides coverage beyond your homeowner policy by adding an extra layer of liability coverage. Coverage is provided in amounts of $1,000,000 increments and kicks in when your existing coverage ends. Umbrella insurance also covers situations that may not be covered by another policy such as slander or libel.

NSI serves locations in the surrounding Miami Lakes area as well, including: