Miami Insurance Rates:

Miami, FL homeowners insurance is about $1,020 to $1,383, about $85-$115/month. Our complete research reveals consumers can save as much as $480 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
They are very easy to work with and they don't doubt their customers so it's very easy to submit claims with them.
Liberty Mutual
I live in a high water area, which means flooding is a real possibility. unfortunately, liberty mutual does not cover damage due to floods, or related conditions.
Liberty Mutual
Liberty mutual offers multi-policy discounts, so bundling our auto and home insurance with them gives us a little break on both policies.

Miami, FL Homeowners Insurance By Home Value

Miami, FL Home Value Total Homes % of Total Average Miami, FL Homeowners Insurance
Less than $50,000 7,079 5.0% $132
$50,000 to $59,999 2,460 2.0% $288
$60,000 to $69,999 3,327 2.0% $348
$70,000 to $79,999 4,744 3.0% $408
$80,000 to $89,999 5,083 4.0% $468
$90,000 to $99,999 3,814 3.0% $516
$100,000 to $124,999 11,542 9.0% $600
$125,000 to $149,999 7,609 6.0% $756
$150,000 to $174,999 14,152 11.0% $888
$175,000 to $199,999 9,856 8.0% $1032
$200,000 to $249,999 18,719 15.0% $1237
$250,000 to $299,999 14,795 12.0% $1513
$300,000 to $399,999 18,927 15.0% $1921

Top Home Insurance Agents Near Miami, FL

Home Insurance Company Near Miami, FL Homeowners Insurance Agency Near Miami, FL Address
NA Isure Insurance Brokers 8700 West Flagler Street Suite 270 , Miami, FL, 33174
NA Ika Financial Llc Dba Global Green Insurance Agency 6840 Sw 40Th Street #202B , Miami, FL, 33155
Allstate Jonathan Clavijo 9700 Stirling Rd Ste 102, Hollywood, FL, 33024
Travelers Setnor Byer Insurance & Risk 900 South Pine Island Rd Ste 300, Plantation, FL, 33324
State Farm Valerie Davis-Bailey 3180 Commodore Plz, Miami, FL, 33133-5818

Cost Of Homeowners Insurance By Street Near Miami, FL

Streets in Miami Area Homeowners Insurance Cost
Palermo Ave, Corniche Ave, Labaron Dr, NW 38th Ter, Perugia Ave, NW 62nd Ter, South St, Messina Ave, W Trade Ave, N Waterway Dr$1,230
W Golf Dr, Pan American Dr, NW 137th St, NW 49th Ter, Secoffee St, NE 29th Ct, NE 199th Ln, Riviera Ct, Linden Ln, Plaza St$1,551
NW 51st Pl, Memorial Hwy, Trascoro Ave, Jib Ct, NE 182nd St, NE 50th St, Lamb Ct, NW 120th Ter, Oriole Ave, Bentley Dr$1,228
Santa Maria St, Kiaora Ave, Biscayne Bay Dr, Duval St, NE 98th St, SW 23rd Rd, NW 104th St, NE 90th St, NE 75th St, NE 18th St$1,128
NE 59th Ter, NE 13th Pl, E Fairview St, NE 12th Pl, NE 95th St, NE 9 Ct, NE 201st St, Leafy Way, Cantoria Ave, Hibiscus St$1,474
Alexandria Dr, Hernando St, N Bay Homes Dr, Roderigo Ave, SW 70th Ct, NE 85th St, NE 139th Ter, E 34th St, NW 39th Ter, NE 91st St$1,221
NE 38th St, Ludlam Dr, South Ct, Glen Royal Pkwy, NW 30th Street Rd, Monegro St, Miami Dr, NE 152nd St, NE 58th St, Shore Dr W$1,461
Sansovino Ave, Elizabeth St, NE 21st Pl, Sans Souci Blvd, NE 101st St, Alhambra Ct, NE 142nd St, NE 38th Ct, NE 153rd St, Orange St$1,283
NW 64th Ct, NE 18th St, NE 210th St, NE 157th Ter, NE 212th St, Mokena Dr, NW 92nd Ter, W 34th Street Rd, SW 21st Rd, Curtiss Dr$1,150
Fisherman St, NW 105th St, Sesame St, Vista Ct, Gibson Dr, NW 110th Ter, SW 77th Pl, N Melrose Dr, NW 145th Ter, NE 35th Ter$1,236

Miami, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Miami$180 to $182
Brownsville$171
West Little River$174
El Portal$185

Miami, 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
Brownsville CDP, Florida $143 $190 $285
Gladeview CDP, Florida $143 $190 $285
West Little River CDP, Florida $145 $193 $290

Miami, 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, FL5.5%17.6%
Brownsville7.73%23.46%
Gladeview8.11%18.77%
West Little River6.87%26.01%

Miami Renters Insurance as a Percentage of Rent

Miami Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 5,088 3.0% $329
$200 to $299 6,541 4.0% $779
$300 to $499 7,480 4.0% $1229
$500 to $749 24,981 15.0% $1904
$750 to $999 43,126 26.0% $2654
$1,000 to $1,499 48,699 30.0% $3779
$1,500 or more 26,243 16.0% $5429

Miami, FL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
33158 $524,200 $1,440
33140 $438,900 $1,350
33131 $363,200 $1,330
33129 $345,400 $1,290
33176 $324,800 $1,290
33178 $321,100 $1,290
33155 $278,600 $1,270
33182 $261,600 $1,260
33132 $260,700 $1,230
33194 $257,100 $1,250
33196 $253,900 $1,240
33173 $252,600 $1,230
33137 $248,400 $1,240
33144 $232,700 $1,220
33186 $230,100 $1,220
33193 $221,200 $1,230
33184 $212,400 $1,210
33135 $208,800 $1,220
33174 $203,000 $1,200
33125 $198,000 $1,190
33183 $180,200 $1,180
33169 $174,900 $1,180
33130 $168,700 $1,190
33126 $162,200 $1,180
33168 $154,600 $1,170
33127 $153,500 $1,170
33150 $149,700 $1,180
33172 $149,000 $1,170
33167 $146,600 $1,160
33147 $144,000 $1,170
33142 $137,300 $1,170
33179 $135,200 $1,170
33136 $122,700 $1,160
33128 $101,000 $1,140

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Castle Key Indemnity Company Insurance $6,366
150,000 27 YES American Integrity Insurance $2,853
150,000 27 YES Tower Hill Prime Insurance $2,704
150,000 27 YES Tower Hill Signature Insurance $4,410
150,000 27 YES Universal Insurance $3,970
300,000 12 NA Tower Hill Signature Insurance $6,403

Miami, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$4,400
Yearly Miami Homeowner Insurance Premium Example $2,500$2,000
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $21,400$20,400
Net Savings to Miami Home Owner from High Deductible Plan $1,000

Miami, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Miami, FL Home Replacement Value MORE than Home Value Miami, FL Home Replacement Value LESS than Home Value
Replacement Value $148,000 $104,000
Insurance Premium based on Replacement Value $3,325 $2,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $11,500 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $750/year Insurance costlier by $250/year

Example Miami Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceTravelersGEICO Insurance
Monthly Premium 310250231
Year Built 198119631953
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$150000-$175000$200000-$250000
Deductible $1000-$2500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Miami, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 215,000 Asphalt Shingles Roof 2,200 3 $1000-$2500 Deductible 310 1 Vinyl siding No
1956 255,000 Membrane Roof 1,930 4 $2500-$5000 Deductible 2010 9 Wood siding No
1952 280,000 Shingles Roof 1,980 4 > $10,000 Deductible 1850 6 Brick siding No
2012 220,000 Composition Roof 1,630 3 $500- $1000 Deductible 1980 8 Stone Siding No
1975 155,000 Tile Roof 1,160 2 $500- $1000 Deductible 2140 8 Stone Siding No
1954 355,000 Tile Roof 3,290 4 $500 Deductible 2560 7 Vinyl siding yes
1979 225,000 Shingles Roof 2,240 4 > $10,000 Deductible 2160 12 Stucco siding yes
1989 215,000 Wood Shake Roof 1,700 3 > $10,000 Deductible 1070 6 Brick siding No
1986 270,000 Membrane Roof 2,140 3 > $10,000 Deductible 3370 12 Fiber-Cement Siding yes
1958 320,000 Asphalt Shingles Roof 810 1 $500- $1000 Deductible 940 2 Stone Siding No