Insurance Coverage for Apartments in Miami (Noob help!)

[Julian Fanghanel]

Hello,

I'm quite new to this, so I would appreciate your help. Long story short, my father passed away and I inherited some apartments he left me in Miami (Brickell area). I currently live in PA so I am not in the state but, these are managed through a managing company (thankfully). I know some of these have insurance through their mortgage company (don't know what kind) but, do I need any other extra insurance like Rental Dwelling Policies? Other apartments are paid off and I am trying to gather the information to see if we have insurance for these. If they don't what kind of insurance would you recommend? Finally, should I ask several insurance companies directly or just get a broker?

I apologize for the number of questions, this is a little overwhelming. Any and all input is greatly appreciated.

Best,

Julian