It’s likely you’ll need a certificate of insurance (COI) in order to move into a new apartment or condo in Miami. A COI shows that you are insured on any damages. This is something to discuss with your new property managers before moving day. So if you aren’t sure, give them a call. All moving companies are liable for the value of the household goods they deliver.3 However, you can purchase insurance with more detailed third-party insurance coverage if you choose.