14 NE 1st AVENUE Ste.513
MIAMI, FL 3132
PH:   305-883-460 4                                  FAX: 305-351-8777
PROTECTING YOUR PERSONAL AND BUSINESS RISK, SINCE 2001 ​​
FLOOD  INSURANCE
PROPERTY HOME
INSURANCE​​
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 Homeowner
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Hight Value Home
  Your home is probably your most valuable asset. For this reason, you should  have a homeowner policy that gives you the protection you need at the best  possible price.  ​​

 Homeowners insurance is a package policy. This means that it covers both  damage to your property and your liability or legal responsibility for any  injuries and property damage you or members of your family cause to other  people (different type of home insurance can be purchase depending your  needs).
Home insurance rates are dtermined through variables that include the age of your home and the level of risk posed by its many operating components such as electrical systems, pipes, roof, etc. Coverage options are also based upon any potential loss that could result from theft or damage, or incurred as a result of severe weather conditions. Protecting your home with the right type of insurance coverage is one of the wisest investments you can make as a homeowner. Our qualified agents are available to help you protect your most important asset
 At one point or another, every homeowner experiences property damage of some sort. Since we cannot predict exactly when or how we will be affected; comprehensive home insurance that offers coverage according to the specific aspects and potential risk factors unique to each property owner, is crucial for insuring against unforeseen loss. First Avenue insurance. customizes insurance for individuals and families that address their particular concerns.
 
 Talk with your FIRST AVENUE insurance agent to make sure that you have  enough insurance to cover your home.  
 Homeowner's Insurance helps pay to repair or rebuild your home and  replace personal belongings lost due to water,theft, fire and/or other disasters  such as storms. Each policy will specifically specify what hazards/events  will be covered within the policy and what hazards/events have been  specifically excluded.
 Homes over 35 years old will be required to conduct a 4-Point Inspection  before insurance coverage can be bound. A4-Point Inspection certified the good working condition and update for the Roof, Electrical System, HVAC (Heat, Ventilation, Air Conditioning) and plumbing.      
 
      
  Some of the Homeowner's policy coverages
 - Home- structure             
 - Personal property/content
 - Other structure attached or not to the building  
 - Loss of Uuse/Living expenses,  if can't live on property due cover damage
 - Personal Liability due to injuries to other when in the insured property
 
  
        ASK US IF YOU NEED ANY CLARIFICATION ABOUT THOSE INSURANCE 
     Free Home Insurance Quotes

We offer free insurance quotes from informed and experienced insurance experts who carefully source out and compare rates and provide information for all coverage options.
In order to protect your most important asset, consult with a First Avenue Insurance specialist for the most comprehensive plans to insure your home . If you have any questions or concerns about the various options open to insuring your home, please feel free to contact us.
We can help you streamline the process so you know what your basic package should be and additional possibilities are available.
 Contact us to get started today!

Condo Insurance
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  • Condo InsuranceT
he policy held by a landlord, a condo association's insurance provides coverage for damages to the structure and common areas. Condominium owners can enhance insurance protection, the  policies will be more affordable than a traditional homeowner's insurance policy and customized specifically to your unique requirements.
Since condo owners are responsible for any damages within their units, a condo insurance policy can offer protection against loss of personal property as well as water damage, fire and other disasters or accidents.
Some of the coverage are:
 Addition or alterations to the unit 
 - Personal Property you can choose amount to insure
 - Liability cover injury or property damage occur in or originate from your unit.
 - Loss of use or rental income: If the unit is uninhabitable due to a covered loss, this  coverage will cover the expense to rent another unit . If you are a unit landlord, this  coverage will indemnify you for the lost rental income until the unit can be rented again.

Consult with our First Avenue Insurance for specific details and coverage options that distinguish condo owners from renters and standard homeowner's insurance policies.
If you have any questions or concerns about finding the right renters or condo insurance that fits your needs and budget, then please feel free to contact us via phone or email.
We look forward to showing you all the options that are available to you.     305-883-4604
Mobile Home
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  MOBILE  HOME INSURANCE

Usually covers damage to the mobile structure, this  part of the policy covers you in the event of events such as fire or storm  damage. The second part of mobile insurance is the personal property  protection. although, coverage may be lower. The final item usually covered  with mobile home insurance is personal injury., the mobile insurance would  pay expenses such as medical procedures or doctor visits. some policies also  cover the cost of hotels and meals in the event you must relocate for repairs  or to find a new home. 
 Even though mobile insurance is a separate classification of insurance, it  covers many of the same things that regular house insurance covers.
 
 Manufactured home and mobile homes are essentially the same thing, except  that the label "manufactured home" applies to mobile home built after 1976,  For this reason insurance companies generally do not distinguish between  manufactured homes and mobile homes. You may buy manufactured home  policies for a mobile home and vice versa. Coverage will be the same.
 
 Insurance companies will include items in your mobile policy in part based on  your location.
Renter Insurance
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Renters Insurance

Many people who choose to rent rather than purchase a home may consider renters insurance an unnecessary expense. Regardless of the value of your belongings, if you lost all of your personal property as a result of an accident, fire, theft or other damages, can you afford to replace everything?
Comprehensive Coverage for Renters
A renter's policy. can financially protect you against losses by replacing the cost of the personal property and contents of your apartment in Miami, including electronics, appliances, clothing and other items. In addition, visitors to your rental are also protected with customized policies that can also include hotel expenses in the event that you must vacate the premises due to an accident, fire or other hazard.
Are You Covered?
Unfortunately, it is quite frequent that a landlord is concerned only with their business and not the wellbeing of the tenants. Don’t rely on your landlord’s insurance which most likely only covers the property itself and not your belongings. Jonray Insurance Inc. renters insurance offers coverage options that include the full replacement costs of your valuables from damages as a result of unexpected accidents or theft
   Floods happen fast! 
  •  Torrential rains, clogged sewer drains, soaked grounds will contribute to catastrophic flood emergencies.  
  •  Floods can occur anywhere - even places that have never flooded before.
  •  Floods are not covered under your homeowners policy!
  • Flood insurance has a small cost don't risk you belongins, protect what matter most      
 Don’t wait for a flood season warning on the evening news to buy a policy—there is a 30-day waiting period  before the coverage takes effect. No waiting period for new purchase home when lender involve.
Email or Fax us your elevation certificate and we will be please to give you a free quote.