Gavop shows you how to buy homeowners insurance in Miami Shores, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $102,500 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $238,500 | $220,000 | $200,000-$250,000 |
| 3 Bedroom | $209,500 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $376,500 | $320,000 | $400,000-$500,000 |
| 5 Bedroom | $463,500 | $420,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $819 |
| Superior Protection Discount | -$86 | $866 |
| Fire & Security Discount | -$86 | $866 |
| Hail Resistant Roof Discount | -$29 | $923 |
| Newly Constructed Home Discount | -$238 | $714 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,295 |
| Hail Damage | $4,853 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,218 |
| Home Insurance Company Miami Shores, FL | Homeowners Insurance Agency Miami Shores, FL | Address | Popularity Score | Distance from Miami Shores (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Fortun Insurance | 365 Palermo Ave, Coral Gables, FL, 33134 | 9.9 | |
| Travelers | E & L Insurance Services Inc | 1241 Sw 27 Ave, Miami, FL, 33135 | 8.2 | |
| State Farm | Sharon King | 134 South Dixie Hwy Suite 101, Hallandale Beach, FL, 33009 | 8.2 | |
| Travelers | Keystone Insurance Group Inc | 21301 Powerline Rd Ste 312, Boca Raton, FL, 33433 | 34.0 | |
| Travelers | Riemer Insurance Group Inc | 217 E Hallandale Beach Blvd, Hallandale Beach, FL, 33009 | 8.4 | |
| Allstate | Alesia Gutierrez | 400 E Hallandale Beach Blvd, Hallandale Beach, FL, 33009 | 8.4 | |
| State Farm | Gundie Bonner | 4705 Sw 148th Ave Ste 101, Davie, FL, 33330-2123 | 17.0 | |
| State Farm | Ruben Sanchez | 16300 Nw 59th Ave, Miami Lakes, FL, 33014-5601 | 8.3 | |
| Allstate | Daniel K. Oreilly | 616 Atlantic Shores Blvd Ste E, Hallandale Beach, FL, 33009 | 9.1 | |
| Travelers | Bb&T-Oswald & Trippe | 2400 N Commerce Pkwy Ste 204, Weston, FL, 33326 | 19.5 |
| 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 Shores, FL | $482,200 | $952 | $740 | $1,280 | $540 |
| Indian Creek, FL | $2,000,001 | $1,591 | $1,240 | $2,130 | $890 |
| Ojus, FL | $172,900 | $981 | $770 | $1,310 | $540 |
| Palm Springs North, FL | $296,400 | $2,353 | $1,840 | $3,150 | $1,310 |
| Westwood Lakes, FL | $247,400 | $2,050 | $1,600 | $2,750 | $1,150 |
| Wilton Manors, FL | $301,900 | $2,386 | $1,860 | $3,200 | $1,340 |
| Goulds, FL | $191,200 | $963 | $750 | $1,290 | $540 |
| Coconut Creek, FL | $168,000 | $1,381 | $1,080 | $1,850 | $770 |
| Hypoluxo, FL | $225,400 | $1,910 | $1,490 | $2,560 | $1,070 |
| Sunshine Parkway, FL | $315,700 | $943 | $740 | $1,260 | $520 |