Referral · Miami-Dade County
Referring you to Keyes Insurance for a property in Miami-Dade County
Keyes Insurance holds a Florida DFS insurance agency licence (class 2105), number L068829. That licence is issued for the whole of Florida rather than for one city or county, which is why they can help with a property in Miami-Dade County. Their office is in Miami, Florida.
Who Keyes Insurance are
Their office is in Miami, Florida. Their office is in Miami. These pages describe the county a property is in, not a branch location. They do not have a branch in Miami-Dade County, and this page is not one — it is my page, about referring you to them.
Homeowner's property and casualty insurance placed in connection with a residential purchase, sale or refinance.
- Legal name Gallagher Property and Casualty, LLC d/b/a Keyes Insurance
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Licence
L068829
Florida DFS insurance agency licence (class 2105) -
Check it yourself
State licence register
Verified 11 September 2026 - Contact them (305) 663-6519
What that licence covers. A Florida insurance agency licence is issued by the state and is not limited to a city or county, so this agency may place a policy on a property anywhere in Florida.
What insurance costs in Miami-Dade County
These are county averages published by the state, not a quote and not a prediction of what any particular property will cost to insure. A quote depends on the building, the roof, the elevation and the carrier — which is the whole reason this page ends with a phone number rather than a number.
| Measure | Value | Change & period |
|---|---|---|
| Average homeowners insurance premium | $5,975 | no change figure published as of 31 Mar. 2026 Including wind. $3,779 excluding wind. |
| Average condo unit-owner insurance premium | $2,801 | no change figure published as of 31 Mar. 2026 Condo unit-owner, including wind — the highest in this register. $1,764 excluding wind. |
Works cited
- Yaworsky, Michael. “Property Insurance Stability Report.” Florida Office of Insurance Regulation, 1 July 2026, floir.gov/docs-sf/default-source/property-and-casualty/stability-unit-reports/july-2026-isu-report.pdf. Accessed 10 Sept. 2026. Premium figures in this report are stated as of 31 Mar. 2026.
The rest of this county’s housing figures — medians, closed sales, inventory, months of supply, each one sourced and dated — are on the Miami-Dade County market page.
Cities in Miami-Dade County
Every Florida city this site publishes a page for that sits in Miami-Dade County. A property in any of them is in this county, which is what makes this the right page for it.
- Aventura
- Coral Gables
- Doral
- Hialeah
- Homestead
- Miami
- Miami Beach
- Miami Gardens
- North Miami
How the referral actually works
I pass you their name and contact details, early rather than at the end — in Florida the insurance has to be bound before a closing funds, and shopping it is the step that most often runs late. From there you deal with them directly. I do not sit in the middle of it, I do not see your quote, and I have no say in what they offer you.
You are under no obligation to use them. If you already have an agent, or you want to compare two or three, that is the sensible thing to do and I will say so.
What you need to know before you call them
This company is affiliated with my brokerage. Under common ownership with The Keyes Company, the brokerage Jacob Campbell is licensed with: per the Affiliated Business Arrangement Disclosure, the owner of 100% of The Keyes Company also owns 82.69% of Gallagher Property and Casualty, LLC d/b/a Keyes Insurance.
Insurance placed in connection with a purchase, sale or refinance is a settlement service. Referring you to a company my brokerage shares an owner with is an affiliated business arrangement under the federal Real Estate Settlement Procedures Act, and it has to be disclosed to you in writing before the referral. That written disclosure is the Affiliated Business Arrangement Disclosure. Please read it.
The ownership. 82.69% owned by the owner of The Keyes Company.
The benefit. “Because of these relationships, this referral may provide Keyes Company and its owner a financial or other benefit.” — quoted from that disclosure.
You are free to shop around. You are NOT required to use the listed provider as a condition for settlement of your loan or the purchase, sale, or refinance of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
I am not an insurance agent. I hold a Florida real estate sales associate licence and no insurance licence of any kind. I cannot advise you on coverage, eligibility, exclusions or price, I cannot quote you, and nothing on this page is an insurance quote or a statement about what any policy would cover. Those questions go to the licensed agency, not to me.
Other counties
The same company, the same licence, the same office — different county figures.