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.

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What is the Average Home Insurance Cost in Miami-Dade County, FL

In Miami-Dade County, FL, the average home insurance rates are $2021. Florida is projected to be at risk for high floods due to sea-level rise. Home insurance considers the state you live in and the exposure to natural hazards while determining the home insurance rates in Miami-Dade County, FL. Home insurance is a way of protecting yourself against unexpected expenses. It will help pay for the repairs of your house and belongings if they are destroyed or severely damaged by a covered cause such as fire, lightning, or theft.

a. By choosing a higher deductible

A deductible is the amount of money you agree to pay towards a claim before your insurance company pays the remaining balance. It is an essential part of how claims are paid and can affect your home insurance rates in Miami-Dade County, FL. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $1996.75 and $1700.47 on homeowners insurance in Miami-Dade County, FL. In contrast, homeowners paying a deductible of 2000 and 2500 pay $1543.64 and $1451.08, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Miami-Dade County, FL.


b. By installing security features

Home security systems are devised to rescue your family and home from perilous situations, such as fire and burglary. The presence of certain safety features in your home can pave the way for discounts with some insurance providers. For example, features like deadbolts, alarm systems, sprinkler systems can get you discounts on home insurance rates. For example, a deadlock can hold the robbers away from your home or make it tough for them to break into your home. Home insurance offers a discount as robbery probability will be less in homes with deadbolts. For example, homes with deadbolts in Miami-Dade County, FL, pay $1859.32 on home insurance.

c. By maintaining a zero claims history

The claim history is a detailed report of all claims filed with your insurance company under your insurance policy. It includes specific details about the subject matter of the loss, what caused it, and how much was covered by the company. The cost of insurance is decided after analyzing the number of claims. Hence, the fewer the claims, the lower the home insurance rates in Miami-Dade County, FL. For example, homeowners in Miami-Dade County, FL, with zero claims history, have to pay a premium of $1778.48. In contrast, homeowners with one or two claims have to pay $2122.05 and $2263.52 on homeowners insurance in Miami-Dade County, FL.

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

Miami-Dade County, FL Home Insurance Agents for Top Companies

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Miami-Dade County, FL5.4%17.1%
Country Walk4.41%13.0%
Richmond West5.1%18.19%
The Hammocks5.23%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

Latest Home Insurance Reviews by Location

Miami, FL

Farmer's Insurance
I would absolutely recommend Farmers to anyone looking for home insurance. I have received grade-A service and am very happy with my policy.
Read more Miami home insurance reviews

Aventura, FL

At this point I do not know even if I will be keeping this company so I do not recommend. I hear that it used to be a great insurance company but that was many years back.
Read more Aventura home insurance reviews

Kendall, FL

I would recommend them because for standard products, you can get everything through them and their pricing is very competitive. Also, they have very good customer service.
Read more Kendall home insurance reviews

Miami Beach, FL

Farmer's Insurance
I would recommend Farmers because they are easy to contact, provide great coverage at affordable rates and have a local branch.
Read more Miami Beach home insurance reviews

Coral Gables, FL

I absolutely love my home insurance company . I have had 2 claims in the last 3 years due to wind and hail and they made the process so easy.
Read more Coral Gables home insurance reviews

Homestead, FL

Security First Home Insurance
I like my insurance company. I rate them a 5 out of 5. Outstanding customer service and very knowledgeable, every single time. They are very quick to respond also.
Read more Homestead home insurance reviews

South Miami Heights, FL

Tower Hill Insurance
A good local company.They send out communications frequently.I have also seen them on Facebook.They have a big customer base in Florida and have been around many years.
Read more South Miami Heights home insurance reviews

Cutler Bay, FL

State Farm
I think it is a resonable price for the service based on my understanding of the insurance market. I haven't specificly done a comparision to know fo rsure.
Read more Cutler Bay home insurance reviews

Hialeah, FL

Assurant Specialty Property
I would recommend Assurant because overall they have friendly and courteous customer service that will go above and beyond to resolve your issue.
Read more Hialeah home insurance reviews

Doral, FL

I would recommend them because they really take the time to make sure that as a customer you are well taken care of.
Read more Doral home insurance reviews

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