Key Biscayne Insurance Rates:

Key Biscayne, FL homeowners insurance is nearly $1,324 to $1,894, about $110-$157/month. Our extensive research reveals consumers can save as much as $643 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Key Biscayne, FL Homeowners Insurance By Home Value

Key Biscayne, FL Home Value Total Homes % of Total Average Key Biscayne, FL Homeowners Insurance
Less than $50,000 43 9.0% $32
$50,000 to $59,999 14 3.0% $80
$100,000 to $124,999 42 9.0% $193
$125,000 to $149,999 13 2.0% $241
$150,000 to $174,999 14 3.0% $289
$175,000 to $199,999 23 5.0% $321
$200,000 to $249,999 43 9.0% $402
$250,000 to $299,999 70 15.0% $482
$300,000 to $399,999 183 41.0% $611

Top Home Insurance Agents Near Key Biscayne, FL

Home Insurance Company Near Key Biscayne, FL Homeowners Insurance Agency Near Key Biscayne, FL Address
NA Miami International Insurance Agency 2200 Sw 16 Street Ste 212, Miami, FL, 33145
Travelers Best Insurance 8050 N UNIVERSITY DR STE 205, TAMARAC, FL, 33321
Travelers Family Ins Services-Hollywood 6750 STIRLING RD, HOLLYWOOD, FL, 33024
Allstate Peter Rillo 10718 Wiles Rd, Coral Springs, FL, 33076
Liberty Mutual Independent Tanenbaum-Harber Of Fl Llc 2900 Sw 149Th Ave Suite 100, Miramar, FL, 33027

Key Biscayne, 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
Fisher Island CDP, Florida $171 $228 $342
Coral Gables city, Florida $215 $287 $431
South Miami city, Florida $192 $256 $384

Key Biscayne, 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
Key Biscayne, FL3.5%13.4%
Coral Gables3.65%11.97%
South Miami5.06%15.32%
Kendall-Palmetto Bay4.5%13.57%

Key Biscayne Renters Insurance as a Percentage of Rent

Key Biscayne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$750 to $999 22 2.0% $2544
$1,000 to $1,499 228 23.0% $3669
$1,500 or more 724 73.0% $5319

Average Cost Of Home Insurance By Company In Areas Nearby Key Biscayne For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Traditions Insurance $6,861
150,000 27 NO Florida Family Insurance $5,775
150,000 27 NO Southern Fidelity Insurance $5,143
150,000 27 YES Stillwater Property And Casualty Insurance $4,172
150,000 27 YES Tower Hill Select Insurance $3,507
300,000 12 NA St. Johns Insurance $5,306

Key Biscayne, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Key Biscayne Homeowner Insurance Premium Example $13,200$12,700
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $93,200$92,700
Net Savings to Key Biscayne Home Owner from High Deductible Plan $500

Key Biscayne, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Key Biscayne, FL Home Replacement Value MORE than Home Value Key Biscayne, FL Home Replacement Value LESS than Home Value
Replacement Value $1,100,000 $740,000
Insurance Premium based on Replacement Value $25,400 $17,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $260,000 Risk Exposure from Under Insuring Coverage is $100,000
Premium Impact Insurance cheaper by $2,300/year Insurance costlier by $6,000/year

Example Key Biscayne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualTravelers
Monthly Premium 18441014678
Year Built 197719991981
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $900000-$1000000More than 10000000$700000-$800000
Deductible $500 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Key Biscayne, 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 1,505,000 Wood Shake Roof 4,310 5 $1000-$2500 Deductible 7350 6 Stone Siding yes
1990 610,000 Shingles Roof 1,660 3 $2500-$5000 Deductible 8250 9 Stone Siding yes
1974 1,530,000 Asphalt Shingles Roof 4,640 5 > $10,000 Deductible 5750 7 Brick siding yes
1973 1,105,000 Asphalt Shingles Roof 2,820 4 $1000-$2500 Deductible 10060 7 Fiber-Cement Siding yes
1977 1,560,000 Asphalt Shingles Roof 3,310 5 $5000 to $10,000 Deductible 6800 5 Wood siding No
1995 1,055,000 Wood Shake Roof 3,000 4 > $10,000 Deductible 5870 6 Fiber-Cement Siding yes
2008 1,385,000 Wood Shake Roof 2,900 4 $2500-$5000 Deductible 8720 7 Stone Siding yes
1997 890,000 Metal Roof 2,720 5 > $10,000 Deductible 2220 2 Stone Siding No
2007 560,000 Tile Roof 1,340 3 $500- $1000 Deductible 1910 3 Fiber-Cement Siding No
1977 885,000 Composition Roof 2,070 3 $5000 to $10,000 Deductible 7570 9 Stone Siding No
1973 1,840,000 Slate Shingles Roof 4,420 5 > $10,000 Deductible 2110 2 Stucco siding No
2000 1,080,000 Membrane Roof 2,250 4 $1000-$2500 Deductible 7650 6 Brick siding yes
2004 715,000 Tile Roof 1,780 4 > $10,000 Deductible 6440 9 Fiber-Cement Siding No
1975 1,190,000 Asphalt Shingles Roof 2,490 4 $500- $1000 Deductible 1820 1 Stone Siding yes
1986 845,000 Asphalt Shingles Roof 2,260 3 $1000-$2500 Deductible 4900 4 Stucco siding No
1971 1,045,000 Asphalt Shingles Roof 2,920 4 $5000 to $10,000 Deductible 5810 5 Brick siding No
1989 615,000 Asphalt Shingles Roof 1,390 3 $500 Deductible 1030 1 Fiber-Cement Siding No
2007 965,000 Slate Shingles Roof 2,260 3 $2500-$5000 Deductible 5160 4 Wood siding No
1985 1,330,000 Metal Roof 2,710 5 $2500-$5000 Deductible 11980 9 Vinyl siding yes
1995 1,795,000 Composition Roof 3,880 5 $500- $1000 Deductible 7280 4 Wood siding No
2004 995,000 Slate Shingles Roof 2,440 4 $500- $1000 Deductible 19250 12 Stucco siding No
1982 495,000 Membrane Roof 1,260 3 $1000-$2500 Deductible 7500 10 Wood siding No
1977 1,515,000 Shingles Roof 3,970 5 > $10,000 Deductible 2050 2 Fiber-Cement Siding No
2009 830,000 Asphalt Shingles Roof 1,820 3 $2500-$5000 Deductible 7420 7 Vinyl siding No
2003 985,000 Metal Roof 2,310 3 $500 Deductible 11970 7 Stone Siding No
1996 430,000 Metal Roof 1,270 3 $2500-$5000 Deductible 460 1 Brick siding yes
1999 1,080,000 Asphalt Shingles Roof 2,800 4 $500- $1000 Deductible 13100 9 Brick siding yes
1976 470,000 Membrane Roof 1,220 3 $2500-$5000 Deductible 980 2 Stucco siding No
2001 1,500,000 Asphalt Shingles Roof 3,840 5 $5000 to $10,000 Deductible 10970 12 Brick siding No
1987 1,065,000 Asphalt Shingles Roof 2,190 3 $5000 to $10,000 Deductible 3410 4 Vinyl siding yes
2005 1,155,000 Composition Roof 3,350 4 $2500-$5000 Deductible 16500 12 Vinyl siding No
1986 1,010,000 Shingles Roof 2,290 4 $5000 to $10,000 Deductible 8910 8 Wood siding yes
1988 935,000 Shingles Roof 2,490 5 $1000-$2500 Deductible 9340 7 Stone Siding yes
1999 1,340,000 Shingles Roof 3,830 5 $2500-$5000 Deductible 13450 9 Stucco siding No