Cutler Bay Insurance Rates:

Cutler Bay, FL homeowners insurance is approximately $1,017 to $1,387, about $84-$115/month. Our extensive guide indicates shoppers can save as much as $480 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
Personally, i have never have summited a claim. but, every time i have to deal with farmers, there is someone available to talk on the phone.
Assurant Specialty Property
The steps to file a claim and complete it can be complicated and tedious. i would imagine the process being more suitable especially since my policy was paid in full.
Assurant Specialty Property
Not only is there rental insurance, but they have other options to include in your quote as well! some examples include pet damage, sewer or drain backup, and even identity fraud expenses.
Assurant Specialty Property
I don't know how much insurance is considered to be a good price, but I think it is pretty cheap.
American Home Insurance
Do not want to pay that much a month for a just in case policy. Mostly just wish the price were lower. Some places do offer a more affordable coverage.
Usaa
I really like the customer service. We get a personal agent and her responds back to inquire quickly (literally within 2 hours).
Geico
The website is very clean and easy to follow. Everything from the colors and wording makes it very easy to understand.

Cutler Bay, FL Homeowners Insurance By Home Value

Cutler Bay, FL Home Value Total Homes % of Total Average Cutler Bay, FL Homeowners Insurance
Less than $50,000 178 2.0% $132
$80,000 to $89,999 93 1.0% $456
$90,000 to $99,999 210 2.0% $516
$100,000 to $124,999 1,229 14.0% $601
$125,000 to $149,999 465 5.0% $745
$150,000 to $174,999 1,230 14.0% $889
$175,000 to $199,999 498 5.0% $1021
$200,000 to $249,999 1,701 19.0% $1238
$250,000 to $299,999 1,477 17.0% $1502
$300,000 to $399,999 1,387 16.0% $1923

Top Home Insurance Agents Near Cutler Bay, FL

Home Insurance Company Near Cutler Bay, FL Homeowners Insurance Agency Near Cutler Bay, FL Address
NA Presby And Company Inc 2400 E Commercial Blvd Ste 423 Ft. Lauderdale, Fort Lauderdale, FL, 33308
NA Costello Insurance & Associates, Inc. 4330 W Broward Blvd Ste S, Plantation, FL, 33317
Allstate Conrado Yero 10030 SW 40th St, Miami, FL, 33165
Allstate James Miller 18512 NW 67th Ave, Hialeah, FL, 33015
State Farm Peter Pinto 15058 SW 56th St, Miami, FL, 33185-4071

Cost Of Homeowners Insurance By Street Near Cutler Bay, FL

Streets in Cutler Bay Area Homeowners Insurance Cost
Belmont Dr, SW 188th Ln, SW 84th Pl, 195th Ter, SW 105 Ct, SW 201st St, SW 224 Ter, Lisa Rd, Gulfstream Rd, SW 98 Pl$1,246
Martinique Dr, April Rd, SW 184th Ter, Lee Arthur Lawrence Sr Ave, SW 231st Ter, SW 221st Ln, SW 215th Ter, 188th Ter, Ingraham Ave Rd, SW 184th Ter$1,113
Nicaragua Dr, Wayne Ave, SW 225 Ter, Nautilus Dr, Coral Sea Rd, SW 229th St, Cutler Ct, SW 204th Ter, SW 205th Ter, E Evergreen St$1,191
Orchid Dr, SW 78 Th Ave, Ridgeland Dr, SW 211th St, SW 229th Ln, SW 191st Ln, SW 95th Pl, SW 211th Ter, Whispering Pines Rd, SW 224th Ter$1,207
Sterling Dr, SW 79th Pl, Dominican Dr, Lenaire Dr, SW 216th Ter, SW 228 Ter, Island Rd, SW 217th St, SW 90th Pl, SW 186th Ter$1,198

Cutler Bay, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cutler Bay$179 to $181
West Perrine$173
Princeton-Goulds$177
Palmetto Bay$201

Cutler Bay, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
West Perrine CDP, Florida $145 $193 $289
Princeton-Goulds CCD, Miami-Dade County, Florida $148 $197 $295
Palmetto Bay village, Florida $168 $223 $335

Cutler Bay, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Cutler Bay, FL5.0%18.2%
West Perrine5.24%20.15%
Princeton-Goulds5.35%19.94%
Palmetto Bay4.02%12.11%

Cutler Bay Renters Insurance as a Percentage of Rent

Cutler Bay Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 226 7.0% $328
$200 to $299 194 6.0% $778
$300 to $499 113 3.0% $1228
$500 to $749 102 3.0% $1903
$750 to $999 191 5.0% $2653
$1,000 to $1,499 1,041 32.0% $3778
$1,500 or more 1,323 41.0% $5428

Average Cost Of Home Insurance By Company In Areas Nearby Cutler Bay For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Tower Hill Preferred Insurance $7,227
150,000 27 YES State Farm Florida Insurance $3,263
150,000 27 YES Tower Hill Signature Insurance $4,410
300,000 12 NA First Protective Insurance $4,022
300,000 12 NA Florida Family Insurance $5,682
300,000 12 NA United Property & Casualty Insurance $5,007

Cutler Bay, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Cutler Bay Homeowner Insurance Premium Example $7,600$6,600
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 2 years + Out of Pocket Expense for Claim $15,800$14,800
Net Savings to Cutler Bay Home Owner from High Deductible Plan $1,000

Cutler Bay, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cutler Bay, FL Home Replacement Value MORE than Home Value Cutler Bay, FL Home Replacement Value LESS than Home Value
Replacement Value $257,500 $153,500
Insurance Premium based on Replacement Value $6,100 $3,625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,000 Risk Exposure from Under Insuring Coverage is $41,000
Premium Impact Insurance cheaper by $975/year Insurance costlier by $1,500/year

Example Cutler Bay Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateState FarmTravelers
Monthly Premium 271308170
Year Built 196920141986
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$175000-$200000
Deductible > $10,000 Deductible$2500-$5000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Cutler Bay, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 340,000 Composition Roof 2,580 5 $500- $1000 Deductible 700 2 Stone Siding yes
1987 165,000 Shingles Roof 1,580 3 $500- $1000 Deductible 1210 7 Brick siding No
1992 260,000 Shingles Roof 2,320 3 $5000 to $10,000 Deductible 200 1 Vinyl siding No
1988 175,000 Slate Shingles Roof 1,770 3 $2500-$5000 Deductible 180 1 Fiber-Cement Siding No
1990 180,000 Composition Roof 1,830 4 $5000 to $10,000 Deductible 2130 9 Brick siding yes
2011 345,000 Tile Roof 2,770 4 $2500-$5000 Deductible 1690 5 Stucco siding No
1987 260,000 Shingles Roof 2,520 5 > $10,000 Deductible 2390 10 Brick siding No
1970 265,000 Slate Shingles Roof 2,450 4 > $10,000 Deductible 2380 10 Stucco siding No
2011 465,000 Wood Shake Roof 4,010 5 $5000 to $10,000 Deductible 5400 10 Stone Siding No
2014 325,000 Tile Roof 3,030 4 > $10,000 Deductible 1330 5 Stucco siding yes
1977 195,000 Composition Roof 1,730 3 $500 Deductible 1380 4 Stone Siding No
1973 255,000 Shingles Roof 1,780 3 $500- $1000 Deductible 1840 5 Fiber-Cement Siding yes
1970 140,000 Wood Shake Roof 1,260 3 $1000-$2500 Deductible 1500 10 Wood siding No
2009 250,000 Tile Roof 1,860 3 $2500-$5000 Deductible 2790 9 Vinyl siding No
1977 160,000 Slate Shingles Roof 1,570 3 $500 Deductible 270 1 Vinyl siding yes
1976 305,000 Composition Roof 2,150 4 $1000-$2500 Deductible 470 1 Brick siding No
1978 205,000 Asphalt Shingles Roof 2,000 3 $5000 to $10,000 Deductible 720 3 Stone Siding yes
1981 440,000 Composition Roof 3,130 5 $500- $1000 Deductible 2470 3 Wood siding No
1980 345,000 Composition Roof 3,360 4 $1000-$2500 Deductible 5960 12 Vinyl siding yes
1971 370,000 Membrane Roof 3,170 5 $500 Deductible 5020 6 Wood siding yes
1978 320,000 Metal Roof 2,560 4 > $10,000 Deductible 1370 5 Stucco siding yes
1990 365,000 Membrane Roof 2,780 5 $2500-$5000 Deductible 2630 5 Stone Siding yes
1968 390,000 Asphalt Shingles Roof 2,860 4 $1000-$2500 Deductible 970 2 Vinyl siding yes
2001 380,000 Tile Roof 2,760 4 > $10,000 Deductible 400 1 Stone Siding No
1981 280,000 Slate Shingles Roof 2,360 3 $500 Deductible 3490 8 Wood siding No