Miramar Insurance Rates:

Miramar, FL home insurance is nearly $1,019 to $1,389, about $84-$115/month. Our all inclusive analysis reveals consumers can save upto $481 by getting many quotes

Compare Quotes from Top Providers and Save now!

Research about Miramar Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Florida. Compare quotes & save.

Miramar Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $2980/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1800 sqft Rental Property Constructed In 1970 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $2050/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 1910 sqft Seasonal Residence Constructed In 1990 with Stone Flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $740/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

5 Beds, 5 Baths 2460 sqft Primary Residence Constructed In 2011 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1200/6 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1463 sqft Primary Residence Constructed In 1983 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Miramar, FL Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33023 $156,000 $1,170

Miramar Rates & Quotes Analysis:

Miramar Area Estimated House Insurance
N Bermuda Dr, Harbour Blvd, SW 200th Ter, Andora Pl, Emerald Lake Dr, SW 140th Way, SW 175th Way, Largo Dr, SW 176th Ter, N Missionwood Cir$1,160
SW 82nd Pl, SW 136th Ter, SW 163rd Ave, Atlantic Dr, Gulfstream Dr, Island Dr, SW 116th Way, Chelsea Dr, S 33rd St, N Cresent Dr$1,149
W Meridian St, Sable Palm Dr, SW 69th Way, Monarch Lakes Blvd, Bernard Blvd, Pacific Way, SW 47th Mnr, SW 192nd Ave, SW 35th Pl, SW 99 Th Way$1,190
Coral Blvd, SW 24th Pl, Bermuda Pl, Bass Creek Rd, Periwinkle St, Gaucho Trl, Petunia Dr, Royal Palm Ave, SW 128th Way, W Lake Pl$1,167
SW 157th Ave, Corona St, Blue Gill Rd, SW 69th Way, SW 183rd Ave, Turf Rd, Normandy St, Encino St, Riverdale Dr S, W Meadows Cir$1,192

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,750 Homes (21% of total homes ) built between 1990 to 1999 in Miramar are paying home insurance between $1,737-$1,755. Places close to Miramar, FL such as Palm Springs North, Miami Lakes, Southwest Ranches are more expensive by $32, $73, $343 respectively while Country Club and Hialeah are cheaper by $46 and $28 respectively for similar homes.
  • Bedrooms: 8,943 2 bedrooms homes (22% of total homes ) in Miramar are paying about $699. Areas near to Miramar such as Palm Springs North, Miami Lakes, Southwest Ranches are costlier by $13, $29, $138 respectively whereas Country Club and Hialeah are more economical by $19, $11 respectively for similar homes.
  • Auto Insurance Bundling: 13,017 Households (47% of all households) in Miramar have 2 vehicles available and when it is bundled with home insurance you can save $240. Discounts for similar bundling in close by locations such as Miramar-Pembroke Pines, Country Club, Palm Springs North come to $240, $234, $245 respectively.
  • Senior Discounts: 7,804 seniors (more than 55 years) occupied housing units (28% of total) in Miramar get discounts between $179 to $181. The comparative concessions in proximate regions such as Miramar-Pembroke Pines, Country Club and Palm Springs North are $180, $175 and $183 respectively.
  • New Homes discounts: New homes such as the 26,988 homes built between 2000 to 2009 in Miramar can save $240 and similar new home insurance discounts in nearby towns and cities like Miramar-Pembroke Pines, Country Club and Palm Springs North are $240, $234 and $245 respectively.

Miramar Homeowners insurance Facts

  • Miramar, FL has 27,677 owner occupied houses which is 75.3% of all units whereas Miramar-Pembroke Pines, Country Club and Palm Springs North have 73.9%, 52.88% and 92.53% respectively.
  • Miramar, FL homeowners yearly insurance price at $1,204 is 0.54% of the typical house value of $222,400 which is in contrast with 0.55% in Miramar-Pembroke Pines, 0.7% at Country Club & 0.47% in Palm Springs North.
  • Homeowners in Miramar, FL pay 2.83% of their income ($40,000 to $44,999) in insurance whereas homeowners in Miramar-Pembroke Pines, Country Club and Palm Springs North pay 2.83%, 2.76% and 2.88% respectively.
  • Miramar, FL’s insurance is 4.7% of monthly housing costs of $2,152/month, for owners with a mortgage compared to 4.78% in Miramar-Pembroke Pines, 6.05% at Country Club & 4.69% in Palm Springs North. But, for households without a mortgage, insurance is 15.0% of costs ($667 in Miramar, FL) in contrast with 16.99% in Miramar-Pembroke Pines, 17.47% at Country Club & 18.11% in Palm Springs North.

Miramar, FL Home Values & Insurance rates

For example, insurance for 791 Homes (3.0% of total homes ) valued between $80,000 to $89,999 in Miramar, FL is about $457. Rates in nearby areas in such as Palm Springs North, Pembroke Pines, Davie are cheaper by $65, $12, $107 respectively while Country Club and Hialeah are costlier by $129 and $64 respectively for similar homes.

Miramar, FL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 910 3.0% $132
$50,000 to $59,999 314 1.0% $276
$70,000 to $79,999 484 2.0% $397
$80,000 to $89,999 791 3.0% $457
$90,000 to $99,999 708 2.0% $505
$100,000 to $124,999 2,013 8.0% $589
$125,000 to $149,999 2,298 9.0% $734
$150,000 to $174,999 2,868 11.0% $878
$175,000 to $199,999 1,732 7.0% $1011
$200,000 to $249,999 3,329 13.0% $1216
$250,000 to $299,999 3,470 14.0% $1480
$300,000 to $399,999 4,846 20.0% $1890

Renters Insurance in Miramar

  • Average Renters Insurance in Miramar :  $113($9/month)

  • Median Gross Rent in Miramar :  $1,456

  • Miramar Renters Insurance to Median Rent Ratio:  0.62%

  • Average household size of renter-occupied unit :  3.0

Miramar Renters Insurance as a Percentage of Rent

Miramar Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 358 4.0% $1903
$750 to $999 1,010 11.0% $2653
$1,000 to $1,499 3,181 36.0% $3778
$1,500 or more 4,004 46.0% $5428

Rent Affordability in Miramar:

Approximately 57.0% (5,232) of households are spending more than 35% of their income on gross rent in Miramar

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 335 3.0%
15.0 to 19.9 percent 674 7.0%
20.0 to 24.9 percent 1,062 11.0%
25.0 to 29.9 percent 901 9.0%
30.0 to 34.9 percent 886 9.0%
35.0 percent or more 5,232 57.0%

Protective device discount in Miramar Up to :  $16

Claims-free discount in Miramar Up to :  $22