How Much Does Miami, FL Home Insurance Cost?
Miami, FL Average Homeowners Insurance Cost
$1,523.25
Homeowners Insurance Cost - Miami, FL
$244,400
Median Home Value - Miami, FL
Miami, FL Homeowners Insurance Cost Based on Deductible
| Deductible | Home Insurance Cost Discount | Homeowners Insurance Cost |
|---|---|---|
| $500 Deductible | -$18.28 | $1,504.97 |
| $1000 Deductible | -$161.77 | $1,361.48 |
| $1500 Deductible | -$241.59 | $1,281.66 |
| $2000 Deductible | -$359.79 | $1,163.46 |
| $2500 Deductible | -$429.56 | $1,093.69 |
Miami, FL Homeowners Insurance Cost by on Age of Home
| Age of Home | Home Insurance Cost Discount/Excess | Home Insurance Cost |
|---|---|---|
| Newly Constructed Home | -$427 | $1,097 |
| 30 year old | +$23 | $1,546 |
| 40 year old | +$40 | $1,563 |
| 50 year old | +$58 | $1,581 |
| Above 50 year old | +$73 | $1,596 |
Miami, FL Homeowners Insurance Cost Based on Construction Type of Home
| Construction Type | Home Insurance Cost Savings | Home Insurance Cost |
|---|---|---|
| Fire Resistive | -$213 | $1,310 |
| Superior | -$137 | $1,386 |
| Masonry | -$76 | $1,447 |
| Brick | -$76 | $1,447 |
| Hail Resistant Roof | -$46 | $1,478 |
Miami, FL Homeowners Insurance Cost for Homes with Swimming Pools
| Type | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Owning A Swimming Pool | +$30 | $1,554 |
| Swimming Pool With A Diving Board | +$76 | $1,599 |
| Swimming Pool With Slide | +$91 | $1,615 |
Miami, FL Homeowners Insurance Discounts for Homes Near Public Safety Departments
| Type | Homeowners Insurance Cost Savings | Homeowners Insurance Cost |
|---|---|---|
| Fire Station | $46 | $1,478 |
| Police Department | $15 | $1,508 |
Miami, FL Homeowners Insurance Percentage Increase Based on Claims Filed
| Type of Claim | Homeowners Insurance Cost Increase | Homeowners Insurance Cost |
|---|---|---|
| Filing a Second Fire Claim | +$639.765 | $2,163 |
| Filing a Second Liability Claim | +$578.835 | $2,102 |
| Filing a Second Theft Claim | +$578.835 | $2,102 |
| Filing a Second Water Claim | +$502.6725 | $2,026 |
| Filing a Fire Claim | +$304.65 | $1,828 |
| Filing a Liability Claim | +$289.4175 | $1,813 |
| Filing a Theft Claim | +$289.4175 | $1,813 |
| Filing a Water Claim | +$243.72 | $1,767 |
| Filing a Weather Claim | +$243.72 | $1,767 |