Protect your family and personal possessions

  • Auto Insurance
  • Home Insurance
  • Boat insurance
  • Flood insurance
  • Umbrella insurance


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Personal Insurance Plans

Our experts partner with you to provide a comprehensive range of personal linesinsurance to protect your family and personal possessions. Our specialties include Auto Insurance, Home Insurance, Flood Insurance, Umbrella Insurance, Life Insurance and Boat Insurance.
Insurance Pie Charts

Auto Insurance

We are your Miami Auto Insurance Resource!

Finding a reliable and trustworthy partner for your Miami Auto Insurance needs can be a challenge. With always standing by, you know you have the right coverage and if you have a problem, we will work with you to get it solved. provides the following types of Auto Insurance protections in the event of a loss.

If you want to deal with a Miami Auto Insurance Agency that is passionate about providing each of our customers with an exceptional and fulfilling experience, contact today.

  • Liability Insurance
    Pays for injuries and property damages to the other party involved in an accident if you are found liable.
  • Collision Coverage
    Pays for damage to your car regardless of who is at fault. The insurance company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.
  • Comprehensive (other than collision)
    Pays for damage to the policyholder's car caused by anything other than a collision with another vehicle such as damage from fire, floods and theft.
  • Personal Injury Protection (PIP) & Medical Payments
    Both pay limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.
  • Towing and Labor Coverage
    Pays for towing charges when your car is not drivable, it also pays labor fees for such instances like changing a flat tire at the location of the break-down.
  • Rental Reimbursement Coverage
    Pays a set amount for a rental car while your car is being repaired due to damage covered by your auto policy.
  • Uninsured/Underinsured Motorist (UM/UIM) Coverage
    Pays for your injuries caused by a hit-and-run driver or a motorist without insurance. It will also pay when your medical bills are higher than the other driver's liability coverage.
  • Custom Parts
    When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included. You can purchase up to $4,000 in additional CPE coverage to cover up to $5,000 custom parts and equipment. Certain limitations apply to this coverage.
  • Antique Auto
    A motor vehicle 25 or more years old used on a very limited basis, such as exhibitions, club activities, and parades or similar events. You need to have restored, maintained, or preserved your antique or classic car.

Home Insurance

Most Homeowners insurance policies combine these five main coverages in to a single policy:
  • Dwelling
    Pays for damage or destruction to your home and any unattached structures and buildings such as fences, detached garages and storage sheds.
  • Personal Property
    Pays for theft, damage or destruction of the contents of your house. This includes furniture, clothing, and appliances.
  • Liability
    Protects you against financial loss resulting from being sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments
    Pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone.
  • Loss of Use
    Pays additional living expenses if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.
Insurance Pie Charts

You can also add supplemental coverages to your homeowners policy such as:

  • Valuable Articles/Floater policies (i.e. Jewelry Insurance)
  • Flood
  • Earthquake
  • Umbrella (additional liability)
  • Animal Liability
  • Sinkhole
  • Ordinance or Law
  • Renter's Insurance Miami
    A renter's insurance policy for your Miami property not only protects personal property like your TV, furniture and clothing from losses, but also can include liability coverage which will protect you if someone is accidentally injured, for example slipping on a wet floor in the kitchen. Whether you're renting an apartment, condo, or a home in Miami, it is most likely that your landlord's insurance policy is not going to protect you from the loss of the plasma TV's, furniture or personal items in the event of theft, fire, hurricane or water damage.

Umbrella Insurance

An umbrella policy is a cost efective way to add an extra layer of protection in the event of a large loss.
It also covers other forms of liability that are not ordinarily covered such as libel and slander, as well as false arrest. It is an extra layer of protection which may keep you from having to relinquish your home, stocks, retirement, college funds or any other significant assets in the event your homeowner’s, auto or boat insurance policy pays out its limits.
A million dollar umbrella policy is afordable. This insurance is not only for the wealthy.

Flood Insurance

Home Owners Insurance policies do NOT cover flood.
Flood insurance is a separate policy that provides protection for destruction and financial devastation caused by heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Although it may not seem like much, even a few inches of water can cause serious damage resulting in thousands of dollars in repair and restoration costs. In certain circumstances, flood insurance may be required on your home.

Boat Insurance Florida

We Insure Everything provides Florida boat insurance coverage for your boat or personal watercraft.
We Insure Everything provides options for specialized coverage, such as Roadside Assistance, On-Water Towing and Total Loss Replacement to name a few.
Florida Boat insurance covers many kinds of boats such as personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance, or house boat insurance. We Insure Everything is your resource for a Florida boat insurance policy.

All Property and Casualty coverage is sold & binded by our strategic partner: Avante Insurance Agency.

Making Life Insurance Easy!

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About Us

We Insure Everything was founded with the intent to provide top quality services to meet the needs of today's families. We have been able to help companies and individuals nationwide, and will continue to offer excellent opportunities for all clients. Join our family by contacting us today!

Our Information

We Insure Everything
801 Brickell Ave., 8th Floor,
Miami, FL 33131

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