How Can I Make My Miami, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Miami, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Miami, FL Home Insurance Coverage Levels | Back to Top
| Miami, FL - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| NE 10th Pl, SW 57th Pl, Gibson Dr, San Amaro Dr, NE 101st St, Embassy Ct, NW 80th Ter, Chapel St, Messina Ave, E Fairview St | $231,000 | $200,000 | $175,000-$200,000 | $223,000 | $210,000 | $250,000-$300,000 |
| NE 18th Ct, NE 12th Pl, SW 66th Ct, NE 73rd St, Candia Ave, NE 95th St, Granada Groves Ct, NE 50th Ter, York St, Fisherman St | $219,000 | $190,000 | $200,000-$250,000 | $363,500 | $300,000 | $300,000-$350,000 |
| SW Ludlam Rd, NE 200th Ter, Almeria Ave, NE 152nd Ter, NW 105th Ter, NE 121st Rd, N Waterway Dr, Biscayne Bay Dr, NE 106th St, Plasentia Ave | $348,500 | $320,000 | $350,000-$400,000 | $704,000 | $660,000 | $800,000-$900,000 |
| Country Club Prado, S Greenway Dr, E Dixie Hwy, Robin Ave, Avocado Ave, Natoma St, NE 165th Ter, NE 207th Ter, Kumquat Ave, SE 26th Rd | $429,000 | $390,000 | $400,000-$500,000 | $595,000 | $540,000 | $600,000-$700,000 |
| Lee Dr, Lenape Dr, Altara Ave, NE 189th Ter, NE 133rd St, Hernando St, NE 124th Ter, Brighton Pl, S Lake Dr, SW 32nd Pl | $306,000 | $260,000 | $300,000-$350,000 | $393,500 | $340,000 | $400,000-$500,000 |
| NE 48th St, Algeria Ave, Secoffee St, Castile Ave, SW 82nd Avenue Rd, NW 137th St, Deer Run, Montilla Ave, NE 152nd St, Fuller St | $196,000 | $170,000 | $175,000-$200,000 | $180,000 | $150,000 | $175,000-$200,000 |
| NE 101st St, NE 136th Ln, Milan Ave, NW 68th Ct, Charles Ter, Shore Dr S, NE 152nd Ter, NE 18th Pl, NW 38th Ter, NE 193rd Ter | $123,000 | $100,000 | $125,000-$150,000 | $184,500 | $150,000 | $175,000-$200,000 |
| NE 125th Ter, SW 74th Avenue Rd, Venetian Way, Little River Blvd, Mokena Dr, Peacock Ave, S Le Jeune Rd, Cherokee St, N Douglas Rd, Mantua Ave | $185,500 | $170,000 | $150,000-$175,000 | $274,000 | $250,000 | $200,000-$250,000 |
| NE 88th St, Indian Mound Trl, Bunker Dr, SW 21st Rd, NW 141st St, NW 63rd Ter, Flagler Dr, Tigertail Ave, Lisbon St, Buttonwood Ln | $211,500 | $200,000 | $175,000-$200,000 | $229,000 | $190,000 | $200,000-$250,000 |
| NE 58th St, SE 25th Rd, NW 60th Ter, Sultan Ave, Coco Grove Ave, Viera Ave, Stewart Ave, SW 27th Way, NE 84th St, Franklin Ave | $456,000 | $430,000 | $400,000-$500,000 | $513,500 | $440,000 | $500,000-$600,000 |
Estimate your Savings with Home Insurance Discounts in Miami, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$247 | $1,124 |
| Superior Protection Discount | -$137 | $1,234 |
| Fire & Security Discount | -$96 | $1,275 |
| Hail Resistant Roof Discount | -$27 | $1,344 |
| Newly Constructed Home Discount | -$356 | $1,014 |
Choose the Right Deductible for your Miami, FL Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Miami-Dade County | $2,500 | $1,348 | $3,848 | $979 | $3,479 | $368 |
| Miami, FL | $2,500 | $1,354 | $3,854 | $984 | $3,484 | $370 |
| Pinewood, FL | $300 | $1,433 | $1,733 | $1,041 | $1,341 | $392 |
| Miami Beach, FL | $1,500 | $1,470 | $2,970 | $1,068 | $2,568 | $402 |
| Westchester, FL | $300 | $1,544 | $1,844 | $1,122 | $1,422 | $422 |
| Golden Beach, FL | $1,500 | $1,675 | $3,175 | $1,217 | $2,717 | $458 |
| Fort Lauderdale, FL | $200 | $1,268 | $1,468 | $922 | $1,122 | $347 |
| Wilton Manors, FL | $700 | $2,357 | $3,057 | $1,713 | $2,413 | $644 |
| Hillsboro Pines, FL | $200 | $2,790 | $2,990 | $2,028 | $2,228 | $762 |
| North Key Largo, FL | $2,500 | $1,020 | $3,520 | $741 | $3,241 | $279 |
| Gulf Stream, FL | $200 | $1,163 | $1,363 | $846 | $1,046 | $318 |
Identify Top Home Insurance Agents near Miami, FL | Back to Top
| Home Insurance Company Miami, FL | Homeowners Insurance Agency Miami, FL | Address | Popularity Score | Distance from Miami (miles) |
|---|---|---|---|---|
| Allstate | Domingo R. Bravo | 1201 Sw 87th Ave, Miami, FL, 33174 | 8.4 | |
| State Farm | Enette Henderson | 152 Ne 167th St Ste 405, Miami, FL, 33162-3400 | 7.1 | |
| Allstate | Joseph Mchugh | 6060 Sw 18th St Ste 107, Boca Raton, FL, 33433 | 35.1 | |
| State Farm | Beverly Crawford | 8100 Nw 155th St Ste 202, Miami Lakes, FL, 33016-5865 | 8.9 | |
| State Farm | Don Sullivan | 4643 S University Dr, Davie, FL, 33328-3817 | 16.3 | |
| Allstate | Mary Martinez | 3047 Sw 38th Ct, Coral Gables, FL, 33146 | 6.8 | |
| Liberty Mutual Independent | Willis Of Florida | 1450 Brickell Ave Ste 1600, Miami, FL, 33131 | 5.2 | |
| Allstate | Charles Roussin | 2884 N Federal Hwy, Boca Raton, FL, 33431 | 38.9 | |
| Travelers | Annette Willis Insurance Agency | 4759 Nw 183rd St, Miami, FL, 33055 | 8.4 | |
| Travelers | The Insurance Guy Inc | 4928 S Le Jeune Rd, Coral Gables, FL, 33146 | 7.5 |
Compare Rates for Miami, FL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Miami-Dade County, FL | $242,800 | $1,364 | $1,060 | $1,830 | $770 |
| Miami, FL | $244,400 | $1,371 | $1,070 | $1,840 | $770 |
| Pinewood, FL | $155,400 | $1,450 | $1,130 | $1,940 | $810 |
| Miami Beach, FL | $407,600 | $1,488 | $1,160 | $1,990 | $830 |
| Westchester, FL | $276,600 | $1,562 | $1,220 | $2,090 | $870 |
| Golden Beach, FL | $2,000,001 | $1,696 | $1,320 | $2,270 | $950 |
| Fort Lauderdale, FL | $224,200 | $1,284 | $1,000 | $1,720 | $720 |
| Wilton Manors, FL | $301,900 | $2,386 | $1,860 | $3,200 | $1,340 |
| Hillsboro Pines, FL | $378,300 | $2,824 | $2,200 | $3,780 | $1,580 |
| North Key Largo, FL | $1,613,200 | $1,033 | $810 | $1,380 | $570 |
| Gulf Stream, FL | $1,708,300 | $1,178 | $920 | $1,580 | $660 |
Research Home Insurance Companies Reviews in Miami, FL Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 27, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 20, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: June 12, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
USAA Home Insurance Reviews
Date: October 31, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Date: April 14, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: September 23, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 06, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: July 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: July 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: June 19, 2018 Age: Above 60 Gender: Male Marital Status: Married
American Integrity Insurance Home Insurance Reviews
Date: April 04, 2019 Age: Above 60 Gender: Male Marital Status: Married
Date: October 01, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: September 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 23, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 21, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: May 11, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Homeowner's Choice Home Insurance Reviews
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 26, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: September 10, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
State Farm Home Insurance Reviews
Date: October 04, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: August 09, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: May 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Security First Home Insurance Home Insurance Reviews
Date: October 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Date: December 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 01, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Mutual Benefit Group Home Insurance Reviews
Date: November 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Progressive Home Insurance Reviews
Date: November 25, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Assurant Specialty Property Home Insurance Reviews
Date: February 13, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Travelers Home Insurance Reviews
Date: July 07, 2019 Age: Above 60 Gender: Married Marital Status: Female