Homeowners Insurance
Insurance for Homeowners Throughout Florida, Georgia, Massachusetts and North Carolina
Choosing a home insurance policy is almost as important as choosing the home itself. This insurance is what can protect you and your family from huge expenses in case of an accident, storm or other natural disaster. Home insurance provides a sense of safety by ensuring that you won’t have to pay for damages to your home all out of pocket.
Toscano Insurance Group is an independent insurance agency that helps you along every step of the process in finding a home insurance policy. We will tailor a home insurance policy to suit the specific needs of your home so that you can live comfortably and covered.
What Does Home Insurance Cover?
A basic home insurance policy through Toscano Insurance Group covers three main areas:
- Dwelling Coverage: This coverage provides compensation for damages to the physical structure of the home and its attached structures when caused by fire, wind, hail, lightning, smoke, theft or vandalism.
- Personal Belongings Coverage: This coverage provides compensation for loss of or damage to your personal items due to fire, lightning, smoke, theft or vandalism.
- Liability: This covers bodily injury and property damage that may occur on your property. This can also extend to injuries and damages caused by your pets or children.
- Additional Living Expense Coverage: This helps with the costs related to temporarily moving after the home is rendered uninhabitable due to an accident.
Is Home Insurance Required by Law?
No state or federal law requires home insurance, but this doesn’t mean you won’t need it. Many lenders will require you to carry home insurance so long as you have a loan on your home. Besides that, home insurance is crucial to protect your home, family and belongings.
What is Total Replacement Cost Value?
The total replacement cost value of your home is not the same as its market value. Instead, the replacement cost value of your home is how much it would cost to completely rebuild your home after it is destroyed after a disaster, including building and material costs.
Protect Your Home Today
Protect your home and everyone inside as soon as possible. Connect with an agent at Toscano Insurance Group by calling (305) 397-8807 or get an instant online quote today.
Common Home Insurance Questions
How Does Home Insurance Work?
When you purchase a home insurance policy, you will pay premiums in return for coverage. While the coverage is active, you may file a claim to receive compensation for damages to your home and personal belongings, as well as possible lawsuits.
How Much Home Insurance Do I Need?
The amount of home insurance you need depends on your home and other factors. Speak with a Toscano Insurance Group agent about finding the right coverage.
What’s the Average Cost of Homeowners Insurance?
The average cost of home insurance depends on your location, coverage limits, credit score, the value of your home and many other factors. Start a quote to find out how much you can save on home insurance.
Do I Need To Buy Home Insurance Before Closing?
Ideally, you should purchase home insurance before signing on a home. This will make sure you are covered from the very beginning.
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They reviewed us!
We’ve been with Toscano Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Nattiel Chambers
Toscano is the most professional and ethical company I have ever worked with. They are hard working professionals, but even more than that they are great people.
JANICE DOMINGUEZ
people at Toscano Insurance are very friendly and helpful. I’ve been with them for three years now. I am happy with the service and plan on staying with them.
Erika Hernandez
I have been with TIG for the past 2 yrs. TIG team are helpful and courteous. They are easy to work with and are very responsive whenever I need a quote or help with my insurance
Edgar De Jesus Figueredo Cruz
Great local insurance company for personal and business related insurance. Get immediate insurance proof and easy payment options.
Natalia Aragón
The staff at Toscano Insurance is always ready to help, find the best way for you to cover your car, or property, and treat their clients with respect and reliability.
David Rivera (RM)
Toscano is top notch. The customer service I receive is the best in the industry. I highly recommend them!
Luis E HD
The folks here are great to work with! has always responded quickly to my questions and concerns. know about the situation and presents me with insurance options that best meets my needs, and with great rates! I highly recommend this agency
Erleicy Luna
Great service, the team goes out of their way to get the best price possible for their clients with good follow up..RAM
martha martinez
Julian and team were terrific to work with. They were fast to provide me with a new Home Insurance that I immediately needed. They provided me with great coverage at a reasonable rate, where other companies are no longer covering. HIGHLY recommend them to anyone. Thank You Julian and Team...appreciate the great support!
Gianni Ballarin
El mejor servicio al cliente, lo hicieron todo por mi y siempre poniendo mis intereses primero.Gracias por toda tu ayuda Julian!
Giancarlo
Hace mas de 4 anos que tenemos el seguro de Home and car con Julian en Toscano Insurance, siempre nos ha ayudado muchísimo, atento, amable y ha logrado bajar lo que pagábamos antesSuper recomendables.
Alejandra Lombardini
Les recomiendo esta compañía al 100% estoy con ellos desde hace 8 años hon tofus los beneficios que usted necesita, no lo piense y compre su seguro de carro aquí en toscano Insurrance
Violeta Santos
We needed home owners insurance for a condo in Miami beach. We found Julian's company through google search and after reading reviews, gave him a call - after 7 on a Friday evening. Julian and his team were great. Answered our call on the first ring and walked us through the process. The team collaborated well with our real estate buyer agent and the closing agents. They were responsive and helpful through the full process. If you're looking for home owners insurance in the Miami area, we highly recommend working with Julian and team.
Mike Evans
I been doing business with toscano insurance for 3 years already and I can't be more happy with them. The best rates available for car insurance and home owners insurance as well.I highly recommend toscano insurance. their dedication and priceless effort to get the best rate for us their costumers.Thank you.
three peas
Great service and customer care, helped me get the best price on my car insurance. Would highly recommend them to anyone looking for any type of insurance
Jeremy Smith
“I am a Small Business Owner of a Foster Care Company. Toscano Insurance greatly helped us to obtain the commercial insurance for General and Professional Liability Insurance required by the State of Florida Authorities. The agency’s business insurance expertise is of the best kind I have ever seen.” Jullian was very patient and understanding. The insurance premium very affordable and financing is available if needed. They expertise made a stressful process very easy. Thank you so much!!Woodlyne
Woodlyne Eleazard
Really friendly and efficient. Helped me find a competitive rate for non owners car insurance. Would recommend:).
Tal Yardeni
Julian was amazing at helping me setup urgent insurance. I definitely recommend them to anyone who is looking for help.
Christine Seibold
Julian is was very nice and super professional with me and my family.Definitely I suggest Progressive, and ogpf course Julian
andrea labruna
I have Been a customer of Toscano Insurance Group for many years . They provided me with incredible service and have always helped me navigate the complex world of my insurance needs.The are simply the best
Carlos APARICIO
I have used Toscano insurance for my property insurance and have been Extremely satisfied with the great service. I have also refer individuals for both personal and commercial property insurance and have heard that they were completely satisfied with the service and pricing that they received.I highly recommend Toscano insurance for all your insurance needs.
Rogelio Baluja
Maria and Julian are simply the best. Their service is outstanding, are responsive and very professional. They helped me out with my condos' insurance as well as with my auto insurance. They saved me money and I have better coverages now.
Carlos Arturo Salazar Rodríguez
Julian and his team are great. We can always rely on them to respond quickly and professionally. We highly recommend them!
Jared Rayman
Obtuve una excelente ayuda con las personas de Toscano Insurance, mi seguro me cancelo mi poliza y ellos me ayudaron amablemente a conseguir algo mucho mejor y de mejor calidad. Los recomiendo altamente.
Jorge Venegass
Julian helped me with an motorcycle insurance during Xmas- he is availeble 24/7 and knows what he is talking about. My best recommendations
Mo Ha
Julian, Maria and Estela take care our Restaurant, cars, motorcycle, jet ski and boat, with excellent prices and the best service...we highly recommend them.Gracias por la excelente atención que siempre recibimos de ustedes!!!!
claudia batista
Julian and Maria were very helpful in setting up our renter's and auto insurance. They were familiar with the many discounts available and were able to provide the policy limits that met our family's needs. Highly recommend!
Julie Van Meter
Very happy to have Julian Toscano as our insurance agent, his profesional help and his advice is excellent limati painting is thankful to have his company taking care of our insurance businessThanks JulianLillo and Marlene
Limati Painting
This office is the BEST! I came in needing all kinds of help in bundling my policies and Maria was able to beat my previous coverage premiums AND upgrade my limits. That's the advantage of using a broker group, saving tons of time and seeing the resultant savings right away.
Steven Craig Ellixson
Thank you to the team at Toscano for helping me better understand the risk associated with my business. They were able to hwlp me see areas of opportunities that exposed my restaurant to potential lawsuits. I appreciate the time they took to make sure that I was correctly covered. Thanks again!!!!
Josue Henriquez
Needed help with my insurance and got exactly what I needed. Very professional, customer-oriented, helpful, and kind. Highly recommend to anyone needing insurance services. I will definitely be doing business them again.
Carlos Salazar Vélez
Their staff is kind and gives helpful advice. Excellent service and professional people. I highly recommend them.
Martin Salazar
Esta agencia me ayudo a reducir el costo del seguro del auto significativamente. Siemprw estan dispuestoa a ayudarme con cualquier problema o pregunta .
Rey Aguilera
I have had an on-off relationship with this agency for 5 years. When I first moved to the United States, IObtained car insurance thru them by Progressive. Blindly, I decided to leave them for the lizard folks (I got a good rate but I was never told that I didn’t have liability insurance coverage). The guys at this agency reached out to me and convinced me to do an analysis where I found out I had no liability insurance!!!!! I switched back immediately and for the same rate, I got 100/300 coverage. My policy is up for renewal soon and it will stay there. Thanks guys for helping me get good protection!!! Doing business with you guys has no surprises.
Leonardo Alvernia
Extremely professional, helpful, found the best option, best prices for what I needed. Will be coming back for all my insurance needs.
Vernon Bartholomew
Really excellent service and great expertise. Thank you!
Ivan Guzman
Thanks for all your help, just what I was looking for and with excellent service. Recommended for all people in search of Trustworthy Insurance.
Marcela Esguerra
Excelent Service very Professionals and effective.
Ämer Mercado
Unlike other insurance office they make sure you get the help you need, my home and my auto are insured with them !!! Thanks just insurance
Deulys ray
Five stars!!!! they are truly the best at what they do ! I called and obtained a quote in less than an hour I had insurance on my new home !!!
Junissa Martinez
I am a business owner, I have a barbershop. I have known the agent for more than 3 years and they insure my business at a very affordable rate.
Kensys Barbershop
Thank you so much Just Insurance! For helping us over come our obstacles in finding a good policy! Highly recommend this place for any business starting up or looking for a better deal! Thank you for everything !!!
Leafy Bike
Extremely nice service , the owner was ver helpful and knowledgeable. I will definitely recommend this place to my friend.
tony giovane
First I switched my home insurance and then my car insurance to this company. Both times they have saved me money and delivered a better policy than my previous carriers. I found the staff to be knowledgeable and friendly and it’s great not to be dealing with an 800 call center agent. I have recommended this company to my friends and they have also been very satisfied.
Lloyd Hetherington
great customer service. will take care of all your insurance needs.
Gabriel Widi
We are so glad we found them so close to home. This is our second year with them, they look after all insurances for the 2 buildings we manage.Well organized.
lospapos67
Excellent office to get all your insurance needs. It is very good to be advised by a professional insurance agent with an excellent experience. Thank you so much for your service.
Ana Ma. Arenas
The entire team at JIB Miami Beach are extremely friendly and knowledgeable. I am please to do business with a serious and experienced outfit.
Sandro Hadjez
Great service ! Julian is very attentive and professional!
Adisbel Hernandez
Great customer service, helped me with exactly what I needed.
Chris Salazar
Great service and professionalism. Thank you and will continue to do business with you.
Herbert De Lima
Got my car and house insurance with them and they are great to work with. Totally recommend them
Christopher Rivera
Great company. Gets you exactly what you need at affordable prices. My one stop shop for all my insurance needs. Very pleased with this company! Thank you!
Robert Lisboa
