South Florida Luxury Home Insurance in 2026: A Buyer’s Guide to Deductibles, Flood Coverage, and Condo Risk

Florida’s property-insurance story is shifting from pure sticker shock to smarter structuring. For luxury buyers, the decisions now hinge on deductibles, flood strategy, condo master policies, and high-value coverage details that affect real out-of-pocket exposure.

TCO vs CO in Miami New Developments: Move-In Timing Explained

Buying into a New-construction or Pre-construction tower in Miami means planning around the moment the city clears your building for move in. This article demystifies the Temporary Certificate of Occupancy (TCO) and the final Certificate of Occupancy (CO) in the context of high end condominiums, explains how each approval affects closings, financing, amenities and day to day living, and offers a practical framework for deciding whether to move in at TCO or wait patiently for the final CO.