Miami-Dade County, FL Home Insurance - Analysis On Quotes, Rates & Agents
Miami-Dade County Insurance Rates:
Miami-Dade County, FL homeowners insurance is approximately $1,023 to $1,384, about $85-$115/month. Our complete guide indicates shoppers can save as much as $481 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
AllstateI like that the representatives with allstate seem helpful and willing to assist within their power. they helped explain which coverages i actually need versus the ones i don't.
State FarmOne thing i like about state farm is that they have an office in town. so if i have a question or concern i can pop in quick to get that taken care of.
UsaaMy home insurance company is easy to work with and get a hold of. communicate is very easy with them.
NationwideThe premium is slightly higher, but it's a company that we trust, that is highly regarded, and we have had bad experiences in the past with home owning and disasters
AllstateI dislike that they send me so many emails and letters trying to get me to sign up for their other services.
ProgressiveI find that the website and application to be clean and clear cut when finding information. I haven't had to utilize the tool to file a claim to date.
State FarmI dislike how sometimes the agents don't have the knowledge that they should working for this company.
Tower Hill InsuranceI had to call a few weeks ago due to there was some confusion on when my bill was paid for the year. I called I wasn't on hold but for a minute for someone. Plus there was very understanding of my concern and answered my question quickly.
Encompass InsuranceI do like our insurance company. I feel because they are local, I can call and talk to someone with questions. The insurance agents know their stuff and they offer suggestions to me, but no pressure. I don't have to call and 800 and wait on hold forever.
Tower Hill InsuranceThe biggest complaint that I have is that the premium goes up every year even when I don't make a claim. I feel as though my premium should be directly connected to the claims that I make not all claims in my area.
State FarmI haven't shopped alternative providers so much of my satisfaction related to our premium is based on the bundling of two home policies and our auto policies. It's entirely possible I'm satisfied only through ignorance of cheaper options in the market.
UsaaThis company beats my previous carrier, Allstate, hands down on products offered, service and price. Wish I had switched 20 years ago. I would highly recommend this company to all veterans and their families
Citizens Property InsuranceI really don't have anything that I dislike about the company so far. I have only had them for a couple of months and have never filed a claim so that may change in the future.
UsaaI like the convenience of their software, their above average communication and the peace of mind that comes with knowing that my home is covered.
AllstateI dislike having to speak to automated services or 800 number operators. They take too long to answer my questions and they do not always get things accurate.
ProgressiveThe insurance companies customer service is phenomenal. I made two claims and they walked me through it and made it smooth and easy. The entire communication process from when I made a claim was fantastic. They made it easy and painless, with minimal work for me to do. The rates are good and I have great coverage
Miami-Dade County, FL Homeowners Insurance By Home Value
| Miami-Dade County, FL Home Value | Total Homes | % of Total | Average Miami-Dade County, FL Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 16,280 | 4.0% | $132 |
| $50,000 to $59,999 | 6,316 | 1.0% | $276 |
| $60,000 to $69,999 | 8,573 | 2.0% | $349 |
| $70,000 to $79,999 | 10,984 | 2.0% | $397 |
| $80,000 to $89,999 | 12,876 | 3.0% | $457 |
| $90,000 to $99,999 | 10,624 | 2.0% | $505 |
| $100,000 to $124,999 | 36,263 | 9.0% | $589 |
| $125,000 to $149,999 | 24,717 | 6.0% | $734 |
| $150,000 to $174,999 | 47,068 | 12.0% | $878 |
| $175,000 to $199,999 | 33,329 | 8.0% | $1011 |
| $200,000 to $249,999 | 62,832 | 16.0% | $1216 |
| $250,000 to $299,999 | 51,729 | 13.0% | $1492 |
| $300,000 to $399,999 | 63,526 | 16.0% | $1890 |
Top Home Insurance Agents Near Miami-Dade County, FL
| Home Insurance Company Near Miami-Dade County, FL | Homeowners Insurance Agency Near Miami-Dade County, FL | Address |
|---|---|---|
| Allstate | Angelo Torres | 2000 Banks Rd Ste 217, Margate, FL, 33063 |
| Allstate | Frank Galluzzo | 1945 N University Dr Ste 106, Coral Springs, FL, 33071 |
| Travelers | Marsh Usa-Sunrise Fl | 1560 SAWGRASS CORP PKWY STE 300, SUNRISE, FL, 33323 |
| Travelers | Mdw Insurance Group Inc | 362 MINORCA AVE, CORAL GABLES, FL, 33134 |
| Allstate | Nicola Myco | 15800 Pines Blvd Ste 208, Pembroke Pines, FL, 33027 |
Cost Of Homeowners Insurance By Street Near Miami-Dade County, FL
| Streets in Miami-Dade County Area | Homeowners Insurance Cost |
|---|---|
| W 73rd St, Pine Island Rd, W 24th Ln, W 71st St, SW 142nd Place Cir, SW 193rd Ct, W 32nd Ave, 27th Way, Laurel Ln, SW 133rd Dr | $1,193 |
| Bird Ave, NW 166th Ter, NW Franklin Ct, Pamona Ave, SW 321st St, Espanola Way, Cascada Blvd, Gibralter Ave, E 40th St, NW 58th Ln | $1,543 |
| NE 1st Dr, NE 110th Ter, SW 53rd Ct, SE 3rd Rd, Marabella Ave, Railroad Dr, NW 188th Ln, NE 36th Pl, NW 156th St, NE 38th Rd | $1,103 |
| E 48th St, NW 174th Ln, NE 106th St, SW 23rd Ct, NW 62nd Pl, Surfside Blvd, SW 116th Ln, SW 133rd Court Dr, SW 109th Ln, SW 190th Ter | $1,200 |
| SW 136th Ter, Rutland St, Morningside Rd, SW 75th Ln, 197th Ter, Bobolink Dr, SW 41st Ln, NE 38th Ct, NW 60th Pl, SW 29th Pl | $1,290 |
| SW 38th Ct, W 55 Pl, 6th Ter, Garfield Dr, SW 32nd Ct, SE 12th Ter, Ventura Ave, SW 88th Rd, NW 199th Ln, SE 4th Pl | $1,161 |
| SE 21st Dr, Carter St, SW 259th Ter, NW 47th Pl, Madison Ln, Bianca Ave, Larry Paskow Way, S Fieldlark Ln, NW 187th Ave, Maggiore St | $1,153 |
| SW 118th Ln, NW 198 St, Bird Ave, Redbird Ave, SW 266th Ter, N Kendale Lakes Cir, E 47th St, SW 129th Path, SW 304th Ter, NE 10th Place Way | $1,258 |
| NW 108th Ln, SW 75th Circle Ln, Dickens Ave, Tyler St, Mokena Dr, Madruga Ave, Surfside Blvd, SW 70th Ln, SW 142 Ct, W Suburban Dr | $1,339 |
| NW 15th Pl, NE 22nd Ln, N Glades Dr, NW 147th Street Dr, Bethune Dr, SW 55th Ave, NE 211th Ter, Beechwood Dr, Kippford Ct, W 58th Ter | $1,115 |
Miami-Dade County, FL Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Miami-Dade County | $180 to $182 |
| Country Walk | $183 |
| Richmond West | $180 |
| The Hammocks | $181 |
Miami-Dade County, 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 |
|---|---|---|---|
| Country Walk CDP, Florida | $153 | $203 | $305 |
| Richmond West CDP, Florida | $151 | $201 | $301 |
| The Hammocks CDP, Florida | $151 | $201 | $302 |
Miami-Dade County, 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 |
|---|---|---|
| Miami-Dade County, FL | 5.4% | 17.1% |
| Country Walk | 4.41% | 13.0% |
| Richmond West | 5.1% | 18.19% |
| The Hammocks | 5.23% | 15.43% |
Miami-Dade County Renters Insurance as a Percentage of Rent
| Miami-Dade County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 9,464 | 2.0% | $328 |
| $200 to $299 | 11,405 | 3.0% | $778 |
| $300 to $499 | 13,214 | 3.0% | $1228 |
| $500 to $749 | 38,313 | 11.0% | $1903 |
| $750 to $999 | 78,437 | 22.0% | $2653 |
| $1,000 to $1,499 | 126,092 | 36.0% | $3778 |
| $1,500 or more | 67,321 | 19.0% | $5428 |
Average Cost Of Home Insurance By Company In Areas Nearby Miami-Dade County For Different Scenarios
| Home value ($) | Age of home (years) | Wind mitigation | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150,000 | 27 | NO | First Protective Insurance | $4,197 |
| 150,000 | 27 | NO | Universal Insurance | $8,057 |
| 150,000 | 27 | YES | American Traditions Insurance | $2,004 |
| 150,000 | 27 | YES | Tower Hill Signature Insurance | $4,410 |
| 150,000 | 27 | YES | Universal Insurance | $3,970 |
| 300,000 | 12 | NA | Citizens Property Insurance | $3,728 |