Homestead, FL Home Insurance - Analysis On Quotes, Rates & Agents
Homestead Insurance Rates:
Homestead, FL homeowners insurance is roughly $981 to $1,339, about $81-$111/month. Our complete research reveals consumers can save upto $464 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateWe were looking for an insurance company with a reputation for good customer service and fast, friendly claims response. so far, allstate has lived up to that expectation.
State FarmI do not like that they charge a fee to split a large payment into two smaller payments. i understand that they claim it is a processing fee, but i think that they should not charge extra just because a portion of a large payment will be deferred.
GeicoI have had nothing but positive experiences with geico. their customer service is always to mutch. their prices are reasonable. they are extremely easy to work with and i would recommend them to friends and family.
State FarmI don't particularly like how many emails they send my household, it's hard to keep track of what it what and if any of it is actually important.
UsaaI really like that i can view my homeowners insurance, and other property and casualty insurances, as well as my banking all on the same page.
AllstateIt's a nice company, although I haven't experience any interaction with the large company, just this office. The office is wonderful
Citizens Property InsuranceThey try to sell my account off every year and I have to take time out of my week to fax papers back to them on my dollar to stop it.
Commerce InsuranceI don't have a specific experience with their services, so I can really say. I think they do alright though, I have no complaints.
People's Trust InsuranceThere is nothing that is due to not having any problems and have more requests for funds for its quality and its way of working and its use
UsaaI dislike how they don't inform me of price changes within the policy. The lack of helpfulness they showed in resolving what I was told was a claim. Ultimately nothing was ever done about the break-in.
People's Trust InsuranceI read online that sometimes they cancel the policies of certain people with no specific reasons. I did not like that and hope it does not happen to us. I wish there was more information on that topic.
ProgressiveThey are very good at communication they always send me letters, emails, or application emails to show me any changes that need to be made or have been made regarding any of my policies
AllstateI like that it is very affordable without feeling like it's too cheap and not going to help me. It seems like the perfect mix of affordability and quality.
State FarmMy insurance company is local and has a good reputation in the area that I live in. The insurance company was reliable the instance that I did have to file a claim. When I needed the process to run smoothly and quickly, it did.
Progressivethey are fast friendly and fit in our budget
UsaaThe company is expensive. I have searched other options and they are cheaper, even if they are not the same level of coverage. I feel like I am in a club with them and that keeps me staying.
Farmer's InsuranceI like the ease of use of my insurance company. They don't over complicate things when I do have to contact them for any reason. That is something that isn't very common with companies I have noticed.
GeicoI would recommend this company because they are very helpful, they are cheap, and they care about their customers and value their experiences with their company.
ProgressiveThis company is very friendly and will always work with you. I have not personally had any issues and I'm certain if any arise it will be quickly dealt with and fixed.
American Integrity InsuranceI would like the premium to not have gone up $80 this renewal but I understand.
Security First Home InsuranceOverall, I like security first. I refuse to change because of some disagreements. they placed the claim quickly that was approved and sent out the check asap. They are easy to communicate with through their app needs some work.
UsaaI like how the reps treat their customers and explain everything clearly. Insurance can be really confusing and they always are happy to help me understand everything
UsaaThe one thing i dislike about USAA is that you need to know someone or be a veteran to take advantage of the services the company provides.
Homestead, FL Homeowners Insurance By Home Value
| Homestead, FL Home Value | Total Homes | % of Total | Average Homestead, FL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,353 | 9.0% | $185 |
| $50,000 to $59,999 | 601 | 4.0% | $406 |
| $60,000 to $69,999 | 915 | 6.0% | $498 |
| $70,000 to $79,999 | 677 | 4.0% | $580 |
| $80,000 to $89,999 | 782 | 5.0% | $661 |
| $90,000 to $99,999 | 749 | 5.0% | $730 |
| $100,000 to $124,999 | 1,637 | 11.0% | $846 |
| $125,000 to $149,999 | 957 | 6.0% | $1067 |
| $150,000 to $174,999 | 1,512 | 10.0% | $1264 |
| $175,000 to $199,999 | 1,135 | 7.0% | $1450 |
| $200,000 to $249,999 | 1,832 | 12.0% | $1751 |
| $250,000 to $299,999 | 1,423 | 9.0% | $2146 |
| $300,000 to $399,999 | 1,087 | 7.0% | $2726 |
Top Home Insurance Agents Near Homestead, FL
| Home Insurance Company Near Homestead, FL | Homeowners Insurance Agency Near Homestead, FL | Address |
|---|---|---|
| NA | We Insure Florida, Inc. | 1327 Ne 125Th St , North Miami, FL, 33161 |
| State Farm | Enette Henderson | 152 NE 167th St Ste 405, Miami, FL, 33162-3400 |
| State Farm | Michele Belizaire | 8600 NE 2nd Ave, El Portal, FL, 33138-3004 |
| Allstate | Monica Pavlova | 273 NW 82nd Ave, Miami, FL, 33126 |
| State Farm | Ricardo Arbes | 18173 Biscayne Blvd, Aventura, FL, 33160-2535 |
Cost Of Homeowners Insurance By Street Near Homestead, FL
| Streets in Homestead Area | Homeowners Insurance Cost |
|---|---|
| Adams Ave, SW 381 Ter, SW 196th Ave, SW 380th St, N Audubon Dr, NE 27th Ter, SW 192nd Pl, SW 291st Ter, SE 30th Ter, SW 292nd Ter | $1,139 |
| SE 21st Ct, SE 18th Ter, SW 159th Dr, NE 36th Ter, SW 158th Rd, NE 3rd St, NE 41st Cir, S Independence Dr, SE 20th Rd, SW 318th Ter | $1,124 |
| NW 14th Ln, SE 11th Pl, SW 354th Ter, SW 350th St, S Audubon Dr, N Fieldlark Ln, Pelican Ct, SW 279th St, S Goldeneye Ln, NE 8th St | $1,146 |
| SW 300th Ter, SW 184th Ave, N Anhinga Ln, SE 23rd Dr, SW 3rd Ter, SE 19th St, SE 28th Ter, NE 5th Dr, Tennessee Rd, SW 313th St | $1,128 |
| SW 1st Ct, SW 195th Ct, NE 1st Rd, NE 27th Ave, SW 290th St, SE 28th Ave, NE 17th St, SE 16th St, SW 298th St, NW 8th Pl | $1,234 |
Homestead, FL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Homestead | $173 to $176 |
| North Key Largo | $250 |
| Florida City | $175 |
| Leisure City | $170 |
Homestead, 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 |
|---|---|---|---|
| North Key Largo CDP, Florida | $250 | $333 | $500 |
| Florida City city, Florida | $175 | $233 | $350 |
| Leisure City CDP, Florida | $170 | $227 | $341 |
Homestead, FL Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Homestead, FL | 5.8% | 20.9% |
| North Key Largo | 4.98% | 13.88% |
| Florida City | 7.51% | 20.04% |
| Leisure City | 6.68% | 24.78% |
Homestead Renters Insurance as a Percentage of Rent
| Homestead Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 453 | 3.0% | $340 |
| $200 to $299 | 512 | 3.0% | $790 |
| $300 to $499 | 732 | 4.0% | $1240 |
| $500 to $749 | 1,842 | 12.0% | $1915 |
| $750 to $999 | 3,761 | 25.0% | $2665 |
| $1,000 to $1,499 | 5,504 | 37.0% | $3790 |
| $1,500 or more | 2,051 | 13.0% | $5440 |
Average Cost Of Home Insurance By Company In Areas Nearby Homestead For Different Scenarios
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | Citizens Property Insurance | $5,317 |
| 150,000 | 27 | NO | Federated National Insurance | $7,028 |
| 150,000 | 27 | NO | Security First Insurance | $5,733 |
| 150,000 | 27 | NO | St. Johns Insurance | $7,200 |
| 150,000 | 27 | YES | Tower Hill Prime Insurance | $2,704 |
| 300,000 | 12 | NA | Florida Peninsula Insurance | $6,328 |
Homestead, FL Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $2,500 |
| Yearly Homestead Homeowner Insurance Premium Example | $8,400 | $7,900 |
| Out of Pocket Expense During Claim | $1,500 | $2,500 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $43,500 | $42,000 |
| Net Savings to Homestead Home Owner from High Deductible Plan | $1,500 | |
Homestead, FL Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Homestead, FL Home Replacement Value MORE than Home Value | Homestead, FL Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $74,000 | $52,000 |
| Insurance Premium based on Replacement Value | $1,725 | $1,225 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $10,500 | Risk Exposure from Under Insuring Coverage is $11,500 |
| Premium Impact | Insurance cheaper by $275/year | Insurance costlier by $225/year |
Example Homestead Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Liberty Mutual | State Farm | Chubb Group of Insurance |
| Monthly Premium | 177 | 142 | 578 |
| Year Built | 2005 | 1965 | 1993 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $125000-$150000 | $175000-$200000 | $400000-$500000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Homestead, FL from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2005 | 370,000 | Slate Shingles Roof | 3,990 | 5 | > $10,000 Deductible | 910 | 3 | Brick siding | yes |
| 2011 | 245,000 | Wood Shake Roof | 2,300 | 3 | $500- $1000 Deductible | 3380 | 12 | Vinyl siding | No |
| 1969 | 130,000 | Wood Shake Roof | 1,550 | 5 | $2500-$5000 Deductible | 1210 | 8 | Vinyl siding | No |
| 2008 | 220,000 | Asphalt Shingles Roof | 2,070 | 3 | $1000-$2500 Deductible | 770 | 2 | Stucco siding | No |
| 2000 | 160,000 | Wood Shake Roof | 1,860 | 4 | $5000 to $10,000 Deductible | 480 | 3 | Brick siding | yes |
| 1991 | 210,000 | Asphalt Shingles Roof | 2,010 | 4 | $2500-$5000 Deductible | 1160 | 4 | Brick siding | yes |
| 1996 | 190,000 | Composition Roof | 1,840 | 4 | $2500-$5000 Deductible | 2200 | 12 | Fiber-Cement Siding | No |
| 1995 | 415,000 | Tile Roof | 4,940 | 5 | $500- $1000 Deductible | 4310 | 6 | Stone Siding | No |
| 1990 | 180,000 | Metal Roof | 2,360 | 3 | $500- $1000 Deductible | 900 | 4 | Stucco siding | No |
| 1969 | 360,000 | Tile Roof | 3,360 | 4 | $500 Deductible | 670 | 1 | Brick siding | yes |
| 1988 | 340,000 | Asphalt Shingles Roof | 4,450 | 5 | $500 Deductible | 3980 | 7 | Stone Siding | yes |
| 1960 | 175,000 | Tile Roof | 1,900 | 3 | $5000 to $10,000 Deductible | 960 | 5 | Stone Siding | yes |
| 2004 | 140,000 | Wood Shake Roof | 1,500 | 3 | $500 Deductible | 2300 | 9 | Brick siding | No |
| 1996 | 130,000 | Shingles Roof | 1,570 | 3 | $2500-$5000 Deductible | 1290 | 10 | Stone Siding | No |
| 1980 | 205,000 | Composition Roof | 2,050 | 5 | $1000-$2500 Deductible | 1740 | 5 | Stucco siding | No |
| 2002 | 180,000 | Membrane Roof | 2,220 | 5 | $500 Deductible | 2300 | 7 | Fiber-Cement Siding | yes |
| 1996 | 255,000 | Metal Roof | 3,040 | 5 | $500 Deductible | 1650 | 4 | Stone Siding | No |
| 2012 | 260,000 | Composition Roof | 2,610 | 4 | $2500-$5000 Deductible | 3110 | 7 | Fiber-Cement Siding | yes |
| 1967 | 140,000 | Tile Roof | 1,560 | 5 | $1000-$2500 Deductible | 1440 | 10 | Brick siding | yes |
| 1969 | 175,000 | Membrane Roof | 2,340 | 4 | $1000-$2500 Deductible | 2280 | 9 | Vinyl siding | yes |
| 2013 | 205,000 | Composition Roof | 1,920 | 4 | $5000 to $10,000 Deductible | 2460 | 10 | Vinyl siding | yes |
| 2009 | 155,000 | Asphalt Shingles Roof | 2,140 | 5 | $5000 to $10,000 Deductible | 1220 | 7 | Wood siding | No |
| 1988 | 160,000 | Tile Roof | 1,600 | 3 | $500 Deductible | 260 | 1 | Wood siding | No |
| 1998 | 175,000 | Wood Shake Roof | 1,970 | 3 | $2500-$5000 Deductible | 1050 | 4 | Wood siding | yes |
| 1990 | 115,000 | Tile Roof | 1,259 | 2 | $500 Deductible | 190 | 1 | Stucco siding | yes |