Eton Bridge Insurance provides high net worth insurance for private clients in Miami Beach, including Star Island, North Bay Road, La Gorce, the Sunset Islands, and the luxury condominium towers along the oceanfront. We help Miami Beach owners protect waterfront estates, high-rise residences, yachts, and collections.
Miami Beach sits on a barrier island in Miami-Dade County, where tidal flooding, hurricane wind, and the post-Surfside condominium rules all shape the insurance picture. We design programs that account for each of them.
What Makes Insuring a Home in Miami Beach Different
Tidal flooding and storm surge
Miami Beach has invested heavily in pumps and raised roads to manage king tides and heavy rain, but flood risk remains significant. National Flood Insurance Program policies cap building coverage at $250,000 and contents at $100,000, which is why most high-value homes pair an NFIP or private primary policy with excess flood coverage.
Miami-Dade wind standards
Miami-Dade is a High-Velocity Hurricane Zone under the Florida Building Code, with some of the strictest construction standards in the country. Documenting impact-rated windows, doors, and roof systems helps secure favorable wind terms. Citizens Property Insurance, Florida’s insurer of last resort, generally cannot cover a home whose replacement cost exceeds $700,000 ($1 million in Miami-Dade and Monroe counties), so high-value homes depend on private, admitted, and surplus lines carriers.
Luxury condominiums
Condo owners need an HO-6 policy that covers interior finishes, upgrades, and contents, plus loss assessment coverage. Florida’s post-Surfside laws require milestone structural inspections and funded structural reserves, which have led to large special assessments in some buildings. We review your association’s master policy so your unit coverage fills the gaps.
Waterfront estates and yachts
Island homes with private docks often keep yachts on site. Yacht coverage with a named storm plan, along with dock and seawall coverage on the home, keeps the property and vessel protected.
Art, jewelry, and privacy
Miami Beach’s collecting culture calls for agreed-value coverage for art and jewelry, and a public profile calls for high umbrella limits, personal cyber coverage, and, where appropriate, kidnap and ransom protection.
Coverage and Guides for Miami Beach Clients
High Net Worth
Insurance Coverages
When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.
If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!
High Value
Vehicles
Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.
We can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.
Policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up. Insuring your home adequately is serious business.
What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home.
Customized Coverage Options
Jewelry & Watches
Collections
Fine Art
Eton Bridge
Process
Our team of knowledgeable agents are experts at finding the right coverage for your family, or your business. Get your insurance quote now.
