Two policies cover every Florida condominium: the building’s and yours. At The Perigon, here is where one stops and the other starts, and why the date matters.
This page is a framework. Whether the building suits you is a separate conversation. Contact the desk at Miami Dossier for the current position on any building we cover.
The association insures the structure and the common elements under a master policy paid through the budget. The owner insures the inside of the unit, the finishes, contents and liability under an HO-6 policy, bought separately. Where the line sits is in the declaration: in Florida it is usually the unfinished walls, which means your floors and your kitchen are yours to insure.
The Perigon: The homes are as the dossier records.. Finishes of that kind are the owner’s policy.
The Perigon dossier holds the developer’s published record. Read it against the Kempinski Residences Miami Design District dossier for the nearest comparison.
Windstorm is the premium that moves the budget; the association’s quote is in the first budget and its deductible is a percentage of value, not a fixed sum. Flood is a separate policy, required by lenders in a flood zone and sensible without one; the building’s elevation certificate says where it stands.
The Perigon: 5333 Collins Avenue, between the Atlantic and Biscayne Bay · ~200 linear feet of shoreline on both sides.. The position decides the zone; ask for the elevation certificate.
A lender requires proof of insurance before funding; a cash buyer should want it for the same reason. The HO-6 binder is arranged two to three weeks before the closing date with the unit details, and it starts the day the deed records.
What does the master policy cover and what is its windstorm deductible? What is the building’s flood zone and elevation? Which agents have written HO-6 policies in this building? The desk holds the first budget and introduces an agent for the rest.
Insurance is the one cost that is never in the rendering.
Developer materials for The Perigon as carried on the live dossier, verified 2026-09-19. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
Contact the desk at Miami Dossier for the documents behind this note, read one to one with you and your advisers.
A private report on the Miami market, sent when there is something worth knowing. No noise, no listings, no pressure.
Received. A note from the desk is on its way. If it has not arrived within a few minutes, please check your spam folder and mark it as not spam, so we can reach you.
We hold no listings and we are not the developer. Contact the desk at Miami Dossier and we will tell you what applies to your situation, what does not, and where we would not proceed. On this topic that means the document before the opinion. Where a question is legal, tax or structuring, we introduce you to advisers who handle that properly rather than answering it ourselves.
The Miami Dossier team works for the buyer, not the developer. Every agent on Samuel Strauch’s team represents buyers in Miami pre-construction.
A person replies within 24 hours, usually much sooner. On weekends, back on Monday morning.
