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

This table lists savings for a median home value of $217,600 and an average premium of $1,997

Discount Type Premium After Discount
Multipolicy Discounts $1,777
Superior Protection Discount $1,817
Fire & Security Discounts $1,758

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
Florida $300 $840 $1,140 $710 $1,010 $130
Miami-Dade County, FL $2,500 $990 $1,490 $840 $3,340 $-1,850
Miami, FL $2,500 $1,140 $1,640 $950 $3,450 $-1,810
Pinewood, FL $300 $530 $830 $450 $750 $80
Miami Beach, FL $1,500 $940 $1,440 $810 $2,310 $-870
Westchester, FL $300 $1,150 $1,450 $950 $1,250 $200
Golden Beach, FL $1,500 $2,580 $3,080 $2,180 $3,680 $-600
Fort Lauderdale, FL $200 $1,110 $1,310 $960 $1,160 $150
Wilton Manors, FL $700 $1,060 $1,560 $910 $1,610 $-50
Hillsboro Pines, FL $200 $1,240 $1,440 $1,030 $1,230 $210
North Key Largo, FL $2,500 $2,570 $3,070 $2,130 $4,630 $-1,560
Gulf Stream, FL $200 $2,140 $2,340 $1,770 $1,970 $370

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

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Florida $170,800 $890 $690 $1,190 $500
Miami-Dade County, FL $221,900 $1,290 $1,010 $1,730 $720
Miami, FL $217,600 $910 $710 $1,220 $510
Pinewood, FL $139,200 $790 $620 $1,060 $440
Miami Beach, FL $327,800 $1,110 $870 $1,490 $620
Westchester, FL $253,100 $1,490 $1,160 $2,000 $840
Golden Beach, FL $1,000,001 $2,300 $1,790 $3,080 $1,290
Fort Lauderdale, FL $207,600 $1,000 $780 $1,340 $560
Wilton Manors, FL $252,700 $1,060 $830 $1,420 $590
Hillsboro Pines, FL $250,000 $1,180 $920 $1,580 $660
North Key Largo, FL $1,000,001 $2,700 $2,110 $3,620 $1,510
Gulf Stream, FL $1,000,001 $2,800 $2,180 $3,750 $1,570

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

Policy Offerings
Home and structure, garage, personal injury, acts of God, flooding, fire wind


Date: September 27, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
So far I do not have any dislike of the interaction/communication with the insurance company. They are always willing to meet my needs and always willing to respond to my questions.

Date: September 20, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
Unable to get information that I required from the mobile app. Many times was unable to log into the account for some reason

Date: September 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
I guess there is good communication, the only type of communication I really have with the insurance company is them sending me a bill.

Date: August 10, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
Dwelling coverage helps protect the physical structure of your home, like the walls, roof, and any attached decks or garages. Another type of coverage is Other Structures protection for additional buildings on your property such as sheds or detached garages


Date: August 02, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
If I call Allstate customer service, the phone is answered quickly, and the person I am talking to seems genuinely willing to help me.

Date: June 12, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
The premium we pay is cheaper than what I think is the average premium across the state.

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
Thought that my premium was high compared to what I used to pay at another address. Insurance prices are through the roof.

Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I've never had to use my homeowner's insurance, so i really can't say one way or another if it was good or bad.

Date: November 18, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
The company's website is easy to use and easy to maneuver. If I have questions, I can go to the website and more often than not find my answer.

USAA Home Insurance Reviews

Date: April 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
USAA is one of the few insurance companies that will pay you the complete cost to rebuild your home, without factoring in depreciation. I would definitely rate them one of the best .

Date: September 23, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
I think that my coverage with USAA are hard to get at the same price with other companies. I priced around a while back for all of the same things I have with USAA and realized that things for USAA make it easy and nice to use.

Date: September 06, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Policy Offerings
My homeowners policy offers protection from many things. They offer a good protection in case of hurricane. If we leave for the hurricane then our food in the fridge goes bad, we get a check for up to 500 for ruined food. This does count as a claim on my insurance, but it gives us our food back. They also cover many other things. I think that the flood insurance policy we have is the most valuable because we live on a swamp. So if our house were to get destroyed or damaged from flooding the insurance company will pay out to get it fixed.


Date: July 30, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
My premium is one of my least favorite things to talk about because premium's are a make or break for me. If it gets to high then I must switch over to another company with lower premiums. My premium has gone up a little bit over the years now.

Date: July 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
The website is a great way to interact with USAA. I think that a company has to have a good website in order to run good. USAA's website is very simple and easy to use.

Date: June 19, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Communication
I rate this as a 4 because I have had a few issues with USAA's customer service. I say this because I would rather deal directly with a company than over the phone, but with USAA the problem is they do not have any brick and mortar stores.

American Integrity Insurance Home Insurance Reviews

Date: April 04, 2019    Age: Above 60    Gender: Male    Marital Status: Married

Customer Service
Haven't had any issue with them as yet. Their representative stays in contact with me several times a year to see if I need anything.

Date: October 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
they will repair the house if the damage is covered under warranty, damages like flood, hurricane, tornado, thunderstorms. They cover electrical damage as well.


Date: September 13, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Their employees are rude sometimes and don't want to help you, but sometimes you do get someone really concerned on helping you.

Date: August 23, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
It doesn't have all the information I would like to know, I have to call in and I don't like that. Its hard to find information on their website. seems like it needs updating too

Date: August 21, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
I think the premium is less than average compared to other companies, they do anything to not cover the damage.

Date: May 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
I think they do need help with communication, they tend to not return your calls, or give you information you should know.

Homeowner's Choice Home Insurance Reviews

Date: October 04, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I am actually contracted through a TPA ho takes care if all of my customer services needs so it would not be fair nor accurate for me to rate this.

Date: September 26, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Premium
The premium is more than likely lower than other companies the problem is that my premium continually raises. It should get lower over time not higher,

Date: September 10, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Website/App
I like the website is user-friendly and easily accessible. I don't like how often I have to reset my password

Date: July 26, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
My insurance agency is contracted with Home Owners Association of America so communication is really great. I never contact HOA directly

Date: November 18, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My actual home is covered and the contents of the home are covered,


State Farm Home Insurance Reviews

Date: October 04, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Policy Offerings
My Home insurance covers replacement cost of our home, as well as valued items inside that we listed on the policy.


Date: August 09, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I previously had Allstate, the premium went up so high I was forced to look elsewhere. I couldn't believe how much State Farm was able to save us, they had the best rate

Date: May 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
There's nothing to dislike, the site works as it is suppose to, all information needed is there. It also automatically shows all your agents info

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
Nothing to dislike! They are absolutely excellent and have been helpful each time for me

Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
If I call, they return the call. If I email, they call. If I call and don't leave a message because I am heading out the door, they call right back anyhow..they go above and beyond

Security First Home Insurance Home Insurance Reviews

Date: December 31, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I think it is one of the best home insurance company, the approach is very welll when compared to other company, and i have a great hope on this Affordable home insurance company.

Date: December 01, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
So far, I have had a fairly positive experience with Security First. On the few occasions I have had to contact customer service, they have been very helpful with the issues I had.

Mutual Benefit Group Home Insurance Reviews

Date: November 06, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
While comparing to other insurance company, this insurance company cover majority of the home policy. Their offerings were good and i think its best for my financial situation.


Progressive Home Insurance Reviews

Date: November 25, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I have needed to call them before to talk about our bill. They were very professional and it was a pleasant conversation. I had no problems with them

Assurant Specialty Property Home Insurance Reviews

Date: February 13, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
Assurant offered me the best deal of any major insurance company, but I packaged their coverage with my car insurance through Geico at the time, which might have brought down the over price of my coverage. As such, I will allot a 5/5.


Travelers Home Insurance Reviews

Date: July 07, 2019    Age: Above 60    Gender: Married    Marital Status: Female

Customer Service
Our insurance premium just decreased 1800 this year. I haven't had to deal with the insurance people yet as we have never made a claim but this price adjustments makes me satisfied!

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