Hialeah ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Hialeah, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Hialeah, FL is $2020. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Hialeah, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Hialeah, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $808 |
| $200,000 | $1,374 |
| $300,000 | $1,697 |
| $400,000 | $2,586 |
| $500,000 | $3,252 |
Home insurance costs in Hialeah can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 033014 | $1,944 |
| 33018 | $1,940 |
| 33013 | $1,922 |
| 33015 | $1,922 |
| 33010 | $1,907 |
| 33012 | $1,900 |
| 33016 | $1,867 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Hialeah, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,071 |
| $1000 Deductible | $1,852 |
| $1500 Deductible | $1,747 |
| $2500 Deductible | $1,576 |
| $5000 Deductible | $1,333 |
| Home Insurance Company Near Hialeah, FL | Homeowners Insurance Agency Near Hialeah, FL | Address |
|---|---|---|
| NA | We Insure Florida, Inc. | 3900 Nw 79Th Ave Ste 338, Doral, FL, 33166 |
| Travelers | Cronin Insurance Agency | 11395 W PALMETTO PARK RD, BOCA RATON, FL, 33428 |
| Liberty Mutual | Iris Campos | 1700 Nw 49Th Street Ste 100, Ft. Lauderdale, FL, 33309 |
| Allstate | John Hiller | 7950 S Military Trl Ste 104, Lake Worth, FL, 33463 |
| Allstate | Paul Salter | 4793 N Congress Ave Ste 206, Boynton Beach, FL, 33426 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Miami Lakes town, Florida | $157 | $209 | $313 |
| Palm Springs North CDP, Florida | $153 | $204 | $306 |
| Hialeah Gardens city, Florida | $147 | $195 | $293 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Hialeah, FL | 6.1% | 19.8% |
| Miami Lakes | 4.77% | 15.31% |
| Palm Springs North | 4.69% | 18.11% |
| Hialeah Gardens | 6.76% | 18.24% |
| Hialeah Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 1,506 | 3.0% | $333 |
| $200 to $299 | 1,727 | 3.0% | $783 |
| $300 to $499 | 1,876 | 4.0% | $1233 |
| $500 to $749 | 4,015 | 8.0% | $1908 |
| $750 to $999 | 10,841 | 23.0% | $2658 |
| $1,000 to $1,499 | 20,333 | 44.0% | $3783 |
| $1,500 or more | 5,300 | 11.0% | $5433 |
| Streets in Hialeah Area | Homeowners Insurance Cost |
|---|---|
| To To Lo Chee Dr, W 17th St, NW 92nd Ave, W 8th Way, E 42nd St, NW 141th Ter, W 18th Ln, Cow Pen Rd, Fox Den Ct, W 58th Ter | $1,234 |
| E 39th St, E 8th Ln, NW 189th Ln, NW 145th Ln, NW 188 Th Ter, E 5th St, NW 167th Ave, E 12th Pl, W 27th Ct, NW 134th Ave | $1,234 |
| W 25th Ln, NW 199th Ln, W 24th Ter, SE 5th St, NW 119th Ave, NW 142nd Ave, W 76th Pl, Fintry Pl, NW 75th Path, Guy del Russo Pkwy | $1,165 |
| W 39th St, W 53rd Pl, Turnbull Dr, E 53rd Ter, E 31st St, Cypress Ct, W 26th Pl, NW 73rd Path, E 30th St, NW 93rd Ave | $1,208 |
| W 32nd Pl, W 18th St, 53rd St, W 31st Ave, W 21st Ave, W 67th St, W 31st Ave, W 38th Pl, North Ct, W 6th Rd | $1,196 |
| Milander Blvd, E 10th Ct, W 67th Pl, NW 68th Ave, W 26th Ct, E 13th St, W 6th St, Jacaranda Ln, NW 67th Pl, NW 32nd Court Rd | $1,137 |
| Miami Lakeway S, Rosewood Rd, W 16th St, Commerce Way, W 80th Pl, Stacey E Cox Ct, N Augusta Dr, W 47th St, NW 152nd Ln, W 36th Ave | $1,264 |
| W 63rd Dr, White Oak Dr, NW 110th Ln, E 58th St, Loch Isle Dr S, NW 81st Path, W 66th Pl, NW 163rd Ter, E Cypress Ct, NW 102nd Ct | $1,210 |
| E 9th Ave, E 34th St, W 41st Pl, W 6th Ln, W 12th St, Miami Lakes Dr, E 28th St, W 30th Ct, NW 197th Ln, Co Rd 9823 | $1,202 |
| NW 85th Ave, W 20th St, NW 74th Pl, NW 78th Ct, W 32nd St, NW 81st Ct, E Oakmont Cir, W 34th Ln, Palmetto Palm Ave, W 31st Ct | $1,224 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Hialeah | $177 to $180 |
| Miami Lakes | $188 |
| Palm Springs North | $183 |
| Hialeah Gardens | $175 |
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Safeway Property Insurance | $8,021 |
| 150,000 | 27 | NO | Southern Fidelity Insurance | $5,143 |
| 150,000 | 27 | NO | Tower Hill Signature Insurance | $8,848 |
| 150,000 | 27 | YES | First Community Insurance | $4,041 |
| 300,000 | 12 | NA | Florida Peninsula Insurance | $6,328 |
| 300,000 | 12 | NA | State Farm Florida Insurance | $4,962 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $4,700 |
| Yearly Hialeah Homeowner Insurance Premium Example | $2,600 | $2,000 |
| Out of Pocket Expense During Claim | $1,700 | $4,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $22,500 | $20,700 |
| Net Savings to Hialeah Home Owner from High Deductible Plan | $1,800 | |
| Scenario | Hialeah, FL Home Replacement Value MORE than Home Value | Hialeah, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $225,500 | $164,000 |
| Insurance Premium based on Replacement Value | $4,100 | $2,975 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $41,000 | Risk Exposure from Under Insuring Coverage is $20,500 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $750/year |
| Insurance Company | GEICO Insurance | Allstate | Travelers |
| Monthly Premium | 520 | 267 | 532 |
| Year Built | 1962 | 2001 | 1981 |
| Home Details | 4 Beds, 2 Baths | 3 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $250000-$300000 | $250000-$300000 | $500000-$600000 |
| Deductible | $500 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |