Miami Heights Insurance Rates:

Miami Heights, FL homeowners insurance is nearly $990 to $1,349, about $82-$112/month. Our extensive research reveals consumers can save as much as $467 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Esurance
There is a super insurance and I really like about it and I was really happy about it.
Allstate
I would recommend this company because you can save money. I think everyone loves to save money. And needless to say that their customer service is excellent.
Usaa
I recommend USAA Home Insurance simply because it gives us military families a great quality of coverage and good customer service at a very affordable price.
State Farm
Having a local agent is a great part of my home insurance company, being able to have someone who is familiar with the area is an added plus.
Citizens Property Insurance
As a citizen customer, quite frankly is the worst insurance company out there. horrible customer service, your claims are always denied. they bait you in with their low prices and they do price gouging whenever a natural disaster hits your home. needless to say, my husband and i will be switching after the end of the year.
State Farm
I like receiving my statements any way i want them i can get them in the mail or over my email. i like the fact they will still mail them to me instead of everything being electronic. i feel safer not having all my information sent to me monthly over the internet.
Usaa
You really can't beat USAA's customer service. They are prompt and quick and always courteous.
Farmer's Insurance
The premium is quite a bit cheaper than other insurance companies around town. I am not paying for their advertising basically.
Usaa
They are quick to answer questions and assist - we received our money very fast for a new roof and for replacing parts of the fence that got damaged.
Usaa
I like that USAA has a very user-friendly website. The website allows myself to log in and see all of my insurance products, easily make changes to them, and easily make payments.
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.

Miami Heights, FL Homeowners Insurance By Home Value

Miami Heights, FL Home Value Total Homes % of Total Average Miami Heights, FL Homeowners Insurance
Less than $50,000 153 2.0% $175
$50,000 to $59,999 137 2.0% $374
$60,000 to $69,999 129 2.0% $455
$70,000 to $79,999 217 3.0% $526
$80,000 to $89,999 263 4.0% $596
$90,000 to $99,999 156 2.0% $666
$100,000 to $124,999 997 16.0% $783
$125,000 to $149,999 611 10.0% $970
$150,000 to $174,999 736 12.0% $1157
$175,000 to $199,999 305 5.0% $1332
$200,000 to $249,999 1,144 19.0% $1601
$250,000 to $299,999 571 9.0% $1963
$300,000 to $399,999 497 8.0% $2489

Top Home Insurance Agents Near Miami Heights, FL

Home Insurance Company Near Miami Heights, FL Homeowners Insurance Agency Near Miami Heights, FL Address
NA Keen Battle Mead & Company 31 Ocean Reef Dr, Ste 300-A , Key Largo, FL, 33037
NA 1st Capital Insurance 2515 N State Road 7 Ste 213, Margate, FL, 33063
NA Casey Insurance Group 811 N Nob Hill Rd, Plantation, FL, 33324
Travelers Acg South Insurance Agency Llc 7000 SW 62ND AVE, SOUTH MIAMI, FL, 33143
Allstate Jorge Milanes 101407 Overseas Hwy, Key Largo, FL, 33037

Miami Heights, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Miami Heights, FL

Streets in Miami Heights Area Homeowners Insurance Cost
SW 190th Ter, SW 186th Ln, SW 213 St, SW 192nd Ter, SW 190th Ln, SW 116th Rd, SW 207th Dr, SW 190th Dr, SW 190th Ter, SW 130th Ave Rd$1,215
SW 211th Ter, SW 190th Terrace Rd, SW 215th Ln, SW 125th Avenue Rd, SW 186th Ter, SW 204th Ln, SW 189th Ln, SW 190th Ln, SW 208th Dr, SW 156th Ln$1,161
SW 192nd Ter, SW 127 Ave, SW 202nd Dr, 134 Ct, SW 204th Ter, Homestead Ave, 204 St, SW 214th Ln, SW 199th Ter, SW 201st St$1,213
Lee Arthur Lawrence Sr Ave, SW 200th Dr, SW 184th Ter, SW 211th St, SW 115th Rd, SW 122nd Ct E, SW 125th Path, SW 203rd Dr, SW 125th Court Rd, SW 113th Rd$1,171
SW 127 Pl, SW 186th Ter, SW 182nd Ln, SW 209th Ter, SW 185 St, SW 195th Ter, SW 152nd Ln, SW 191st Ln, SW 124th Avenue Rd, SW 215th Ter$1,164

Miami Heights, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Miami Heights$174 to $176
West Perrine$173
Goulds$174
Palmetto Estates$175

Miami Heights, 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
West Perrine CDP, Florida $145 $193 $289
Goulds CDP, Florida $145 $193 $290
Palmetto Estates CDP, Florida $147 $195 $293

Miami Heights, 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 Heights, FL5.9%22.6%
West Perrine5.24%20.15%
Goulds5.91%21.39%
Palmetto Estates5.57%19.38%

Miami Heights Renters Insurance as a Percentage of Rent

Miami Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 310 7.0% $337
$200 to $299 357 8.0% $787
$300 to $499 180 4.0% $1237
$500 to $749 656 15.0% $1912
$750 to $999 1,046 24.0% $2662
$1,000 to $1,499 1,307 30.0% $3787
$1,500 or more 493 11.0% $5437

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Asi Preferred Insurance $7,760
150,000 27 NO Safeway Property Insurance $8,021
150,000 27 NO Universal Insurance $8,057
150,000 27 YES Federated National Insurance $3,462
150,000 27 YES Security First Insurance $2,957
300,000 12 NA Florida Peninsula Insurance $6,328

Miami Heights, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly Miami Heights Homeowner Insurance Premium Example $5,400$4,800
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $44,900$43,100
Net Savings to Miami Heights Home Owner from High Deductible Plan $1,800

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

Scenario Miami Heights, FL Home Replacement Value MORE than Home Value Miami Heights, FL Home Replacement Value LESS than Home Value
Replacement Value $155,000 $96,500
Insurance Premium based on Replacement Value $3,625 $2,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,500 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $700/year Insurance costlier by $675/year

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

Insurance Company State FarmChubb Group of InsuranceLiberty Mutual
Monthly Premium 186605212
Year Built 199219711985
Home Details 2 Beds, 1 Baths5 Beds, 4 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$350000-$400000$200000-$250000
Deductible $500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1992 120,000 Shingles Roof 1,180 2 $500 Deductible 1550 9 Fiber-Cement Siding No
1978 425,000 Tile Roof 4,390 5 $500- $1000 Deductible 2390 4 Wood siding No
1998 255,000 Asphalt Shingles Roof 2,670 4 $500 Deductible 2600 7 Fiber-Cement Siding yes
1985 140,000 Shingles Roof 1,500 2 $500- $1000 Deductible 1940 8 Brick siding yes
1981 160,000 Metal Roof 1,770 2 $1000-$2500 Deductible 1390 6 Wood siding yes
1975 170,000 Shingles Roof 1,500 3 $2500-$5000 Deductible 1280 6 Brick siding yes
1970 200,000 Tile Roof 2,510 5 $5000 to $10,000 Deductible 1840 10 Fiber-Cement Siding No
1975 340,000 Shingles Roof 3,260 5 > $10,000 Deductible 510 2 Fiber-Cement Siding No
1978 205,000 Asphalt Shingles Roof 1,900 5 $2500-$5000 Deductible 620 3 Wood siding No
1979 170,000 Membrane Roof 2,130 5 $2500-$5000 Deductible 860 4 Stone Siding yes
1975 135,000 Asphalt Shingles Roof 1,270 2 $2500-$5000 Deductible 1160 7 Vinyl siding No
1987 115,000 Asphalt Shingles Roof 1,420 2 $500 Deductible 1740 10 Vinyl siding No
1974 145,000 Composition Roof 1,520 2 $500 Deductible 680 3 Fiber-Cement Siding yes
1995 250,000 Metal Roof 3,150 4 $500- $1000 Deductible 3310 12 Vinyl siding yes
1976 130,000 Metal Roof 1,310 2 $500 Deductible 420 2 Stucco siding yes
1994 180,000 Shingles Roof 1,730 2 $5000 to $10,000 Deductible 1680 9 Vinyl siding No
1978 135,000 Slate Shingles Roof 1,460 3 $500 Deductible 2190 10 Stucco siding yes
1992 250,000 Slate Shingles Roof 3,050 5 $2500-$5000 Deductible 260 1 Stucco siding No
1970 145,000 Slate Shingles Roof 1,420 2 $500- $1000 Deductible 1190 5 Wood siding yes
1971 130,000 Tile Roof 1,200 2 $2500-$5000 Deductible 550 3 Brick siding No
1993 520,000 Composition Roof 4,500 5 $2500-$5000 Deductible 3030 4 Vinyl siding yes
1993 145,000 Tile Roof 1,440 2 $500 Deductible 2860 12 Wood siding No
1976 225,000 Composition Roof 2,730 5 $1000-$2500 Deductible 1770 8 Fiber-Cement Siding yes
1985 275,000 Asphalt Shingles Roof 2,820 4 > $10,000 Deductible 2440 8 Fiber-Cement Siding yes
1999 175,000 Membrane Roof 1,690 5 $2500-$5000 Deductible 410 2 Fiber-Cement Siding yes
1995 130,000 Asphalt Shingles Roof 1,320 2 $2500-$5000 Deductible 1010 7 Fiber-Cement Siding yes
1980 165,000 Tile Roof 1,660 3 $500 Deductible 1770 6 Stone Siding No
1973 300,000 Asphalt Shingles Roof 2,900 5 $500- $1000 Deductible 1880 4 Fiber-Cement Siding No
1976 170,000 Membrane Roof 1,770 5 $1000-$2500 Deductible 930 5 Wood siding No
1989 240,000 Shingles Roof 2,760 5 $500 Deductible 3840 10 Vinyl siding No
1979 185,000 Metal Roof 1,970 4 $5000 to $10,000 Deductible 920 5 Stucco siding No
1971 180,000 Tile Roof 1,880 5 $5000 to $10,000 Deductible 1810 10 Stone Siding No
1989 185,000 Asphalt Shingles Roof 1,740 4 $5000 to $10,000 Deductible 1130 4 Fiber-Cement Siding yes
1991 195,000 Asphalt Shingles Roof 2,540 4 $2500-$5000 Deductible 2440 8 Brick siding yes

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