Miami Beach Insurance Rates:

Miami Beach, FL homeowners insurance is about $1,071 to $1,462, about $89-$121/month. Our extensive guide indicates shoppers can save as much as $506 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
There is nothing about this company that i dislike. i can not think of a single thing and i have been a customer for 49 years.
Homesite Home Insurance Company
I do not receive any promotional materials from homesite, which would be okay for some, but the lack of marketing materials and contact from the company leaves me wondering if there are additional options available from the company that i may not be aware that would better serve me or improve my coverage.
Safeco
They were easy to start the policy with, very minimum required by us, renewal is automatic and comes straight from an escrow account.

Miami Beach, FL Homeowners Insurance By Home Value

Miami Beach, FL Home Value Total Homes % of Total Average Miami Beach, FL Homeowners Insurance
Less than $50,000 492 2.0% $88
$60,000 to $69,999 313 1.0% $240
$70,000 to $79,999 268 1.0% $278
$80,000 to $89,999 244 1.0% $316
$90,000 to $99,999 424 2.0% $354
$100,000 to $124,999 1,127 6.0% $417
$125,000 to $149,999 1,014 6.0% $519
$150,000 to $174,999 2,390 14.0% $620
$175,000 to $199,999 1,392 8.0% $721
$200,000 to $249,999 2,674 16.0% $860
$250,000 to $299,999 2,509 15.0% $1063
$300,000 to $399,999 3,489 21.0% $1341

Top Home Insurance Agents Near Miami Beach, FL

Home Insurance Company Near Miami Beach, FL Homeowners Insurance Agency Near Miami Beach, FL Address
Travelers Bateman Gordon & Sands Inc 3050 N Federal Hwy Ste 100 Pompano Beach, Pompano Beach, FL, 33064
Travelers Imperial Insurance Llc 924 EAST SAMPLE RD, POMPANO BEACH, FL, 33064
Travelers M & L Insurance Agency Inc 2855 UNIVERSITY DR 110, CORAL SPRINGS, FL, 33065
State Farm Michael Bennardo 9779 W Sample Rd, Coral Springs, FL, 33065-4003
Travelers Nsi Insurance Group 8181 NW 154TH STE 230, MIAMI LAKES, FL, 33016

Cost Of Homeowners Insurance By Street Near Miami Beach, FL

Streets in Miami Beach Area Homeowners Insurance Cost
1st Rivo Alto Ter, 92nd St, East Dr, Bay Ter, 178th Dr, 87th St, 177th Dr, N Coconut Ln, Indian Creek Island Rd, 102nd St$1,227
4th St, E 3rd Ct, N America Way, 2nd Dilido Ter, Venetian Dilido Way, 83rd St, Ocean Ter, 26th St, Normandy Dr, 80th St$1,436
7th St, Park Ave, 100th St, 19th St, Shelter Ave, 14th St, Biarritz Dr, Irving Ave, Gary Ave, Trouville Esplanade$1,185
Coquina Dr, Bal Cross Dr, Allison Rd, 8th Ter, 81st St, 79th St, 191st St, 14th Ter, W 1st Ct, 2nd Rivo Alto Ter$1,480
West Dr, Lincoln Ln N, Galleon St, Marseille Dr, 4th Dilido Ter, 96th St, Camden Ct, 4th San Marino Ter, 3rd Dilido Ter, 20th St$1,403

Miami Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Miami Beach$188 to $191
Surfside$201
Indian Creek$250
North Bay Village$178

Miami Beach, 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
Surfside town, Florida $168 $224 $336
Indian Creek village, Florida $208 $277 $416
North Bay Village city, Florida $149 $198 $297

Miami Beach, 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
Miami Beach, FL4.4%11.1%
Surfside3.79%11.61%
North Bay Village4.56%13.6%
Bay Harbor Islands4.0%13.06%

Miami Beach Renters Insurance as a Percentage of Rent

Miami Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,055 3.0% $311
$200 to $299 1,034 3.0% $761
$300 to $499 914 2.0% $1211
$500 to $749 2,068 6.0% $1886
$750 to $999 7,753 22.0% $2636
$1,000 to $1,499 12,550 36.0% $3761
$1,500 or more 8,745 25.0% $5411

Average Cost Of Home Insurance By Company In Areas Nearby Miami Beach 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 YES American Integrity Insurance $2,853
150,000 27 YES Asi Preferred Insurance $4,258
150,000 27 YES Liberty Mutual Fire Insurance $2,430
300,000 12 NA Security First Insurance $4,879
300,000 12 NA United Property & Casualty Insurance $5,007

Miami Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$4,800
Yearly Miami Beach Homeowner Insurance Premium Example $7,100$6,100
Out of Pocket Expense During Claim$1,800$4,800
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $30,200$29,200
Net Savings to Miami Beach Home Owner from High Deductible Plan $1,000

Miami Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Miami Beach, FL Home Replacement Value MORE than Home Value Miami Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $769,500 $558,500
Insurance Premium based on Replacement Value $14,300 $10,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,000 Risk Exposure from Under Insuring Coverage is $149,000
Premium Impact Insurance cheaper by $2,750/year Insurance costlier by $1,150/year

Example Miami Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualTravelers
Monthly Premium 288399364
Year Built 197319622009
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$300000-$350000$250000-$300000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Miami Beach, 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 270,000 Asphalt Shingles Roof 1,470 3 $2500-$5000 Deductible 2350 7 Wood siding yes
2011 190,000 Wood Shake Roof 1,210 2 $500- $1000 Deductible 300 1 Vinyl siding No
2014 190,000 Tile Roof 1,110 2 $1000-$2500 Deductible 1340 5 Stone Siding No
1968 200,000 Tile Roof 1,330 2 $1000-$2500 Deductible 1170 4 Stone Siding yes
1963 345,000 Slate Shingles Roof 2,210 3 > $10,000 Deductible 940 3 Stone Siding yes
1977 355,000 Metal Roof 1,790 3 > $10,000 Deductible 2770 10 Stucco siding yes
2011 250,000 Membrane Roof 1,550 3 $500 Deductible 2610 6 Brick siding yes
1971 185,000 Metal Roof 940 2 $2500-$5000 Deductible 3270 10 Brick siding yes
2010 180,000 Wood Shake Roof 1,300 3 $1000-$2500 Deductible 1520 6 Wood siding No
1961 250,000 Metal Roof 549 1 $2500-$5000 Deductible 5450 9 Fiber-Cement Siding yes