How Can I Make My Miami Beach, FL Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Miami Beach, FL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Miami Beach, FL Home Insurance Coverage Levels | Back to Top
| Miami Beach, 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 | |
| Black Hawk Ave, 84th St, Park Ave, 4th San Marino Ter, Camden Dr, 99th St, Irving Ave, East Dr, Gary Ave, Monad Ter | $204,500 | $170,000 | $200,000-$250,000 | $215,000 | $190,000 | $175,000-$200,000 |
| N Hibiscus Dr, Biarritz Dr, 177th Dr, 4th St, 30th St, 1st Rivo Alto Ter, 96th St, S Coconut Ln, 100th St, Garland Ave | $389,000 | $360,000 | $400,000-$500,000 | $647,500 | $600,000 | $700,000-$800,000 |
| W San Marino Dr, 3rd Dilido Ter, E 4th Ct, 34th St, 14th St, Pinetree Ln, W Treasure Dr, Adventure Ave, Balfour Dr, E 3rd Ct | $357,500 | $320,000 | $250,000-$300,000 | $557,500 | $490,000 | $600,000-$700,000 |
| 13th St, 73rd St, Bay Ter, W Broadview Dr, 7th St, Normandy Dr, Indian Creek Island Rd, Raymond St, Windsor Ln, 8th Ter | $312,500 | $270,000 | $350,000-$400,000 | $345,500 | $330,000 | $350,000-$400,000 |
| 38th St, Bay Harbor Ter, Washington Ct, 14th Ter, Commerce St, E 2nd Ct, W Bay Ave, W 51st St, Venetian Cswy, Indian Creek Island Rd | $191,000 | $170,000 | $150,000-$175,000 | $189,500 | $170,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Miami Beach, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$223 | $1,265 |
| Superior Protection Discount | -$134 | $1,354 |
| Fire & Security Discount | -$134 | $1,354 |
| Hail Resistant Roof Discount | -$45 | $1,443 |
| Newly Constructed Home Discount | -$417 | $1,071 |
Choose the Right Deductible for your Miami Beach, 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 | $1,000 | $1,348 | $2,348 | $979 | $1,979 | $368 |
| Miami Beach, FL | $700 | $1,470 | $2,170 | $1,068 | $1,768 | $402 |
| Hollywood, FL | $300 | $1,357 | $1,657 | $986 | $1,286 | $371 |
| Hialeah, FL | $700 | $1,342 | $2,042 | $976 | $1,676 | $367 |
| Glenvar Heights, FL | $400 | $2,547 | $2,947 | $1,851 | $2,251 | $696 |
| Sweetwater, FL | $1,500 | $941 | $2,441 | $684 | $2,184 | $257 |
| Broadview Park, FL | $100 | $1,337 | $1,437 | $971 | $1,071 | $365 |
| Southwest Ranches, FL | $2,000 | $931 | $2,931 | $676 | $2,676 | $254 |
| Plantation, FL | $200 | $1,412 | $1,612 | $1,026 | $1,226 | $386 |
| Naranja, FL | $2,500 | $977 | $3,477 | $710 | $3,210 | $267 |
| Ocean Ridge, FL | $200 | $885 | $1,085 | $643 | $843 | $242 |
Identify Top Home Insurance Agents near Miami Beach, FL | Back to Top
| Home Insurance Company Miami Beach, FL | Homeowners Insurance Agency Miami Beach, FL | Address | Popularity Score | Distance from Miami Beach (miles) |
|---|---|---|---|---|
| Travelers | Setnor Byer Insurance & Risk | 900 South Pine Island Rd Ste 300, Plantation, FL, 33324 | 19.6 | |
| Travelers | M & L Insurance Agency Inc | 2855 University Dr 110, Coral Springs, FL, 33065 | 29.4 | |
| Travelers | E & L Insurance Services Inc | 1241 Sw 27 Ave, Miami, FL, 33135 | 9.9 | |
| Allstate | Lisa Faina | 2643 N Hiatus Rd, Hollywood, FL, 33026 | 16.4 | |
| Travelers | Riemer Insurance Group Inc | 217 E Hallandale Beach Blvd, Hallandale Beach, FL, 33009 | 9.2 | |
| Allstate | Alesia Gutierrez | 400 E Hallandale Beach Blvd, Hallandale Beach, FL, 33009 | 9.1 | |
| Allstate | Lou Acernese | 1761 W Hillsboro Blvd Ste 102, Deerfield Beach, FL, 33442 | 31.9 | |
| Travelers | Insurance Consulting Group Llc | 799 Brickell Plaza Ste 600, Miami, FL, 33131 | 7.6 | |
| State Farm | S. Kristy Lopez | 1001 Ives Dairy Rd Ste 101, Miami, FL, 33179-2501 | 8.5 | |
| Liberty Mutual Independent | Swett & Crawford Of Georgia Inc | 800 Brickell Ave Ste 300, Miami, FL, 33131 | 7.6 |
Compare Rates for Miami Beach, 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 Beach, FL | $407,600 | $1,488 | $1,160 | $1,990 | $830 |
| Hollywood, FL | $207,700 | $1,373 | $1,070 | $1,840 | $770 |
| Hialeah, FL | $204,700 | $1,359 | $1,060 | $1,820 | $760 |
| Glenvar Heights, FL | $334,500 | $2,578 | $2,010 | $3,450 | $1,440 |
| Sweetwater, FL | $139,000 | $953 | $740 | $1,280 | $540 |
| Broadview Park, FL | $140,900 | $1,353 | $1,060 | $1,810 | $750 |
| Southwest Ranches, FL | $600,800 | $942 | $730 | $1,260 | $530 |
| Plantation, FL | $176,100 | $1,429 | $1,110 | $1,920 | $810 |
| Naranja, FL | $146,600 | $989 | $770 | $1,330 | $560 |
| Ocean Ridge, FL | $798,700 | $896 | $700 | $1,200 | $500 |
Research Home Insurance Companies Reviews in Miami Beach, FL Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: April 11, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: January 27, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: January 16, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: October 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 30, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: November 29, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
American Integrity Insurance Home Insurance Reviews
Date: February 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: January 30, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Date: October 02, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 26, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Date: September 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 17, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: June 15, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
State Farm Home Insurance Reviews
Date: September 16, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: October 19, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 16, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: July 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: May 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: November 19, 2017 Age: 20 to 29 Gender: Female Marital Status: Married
Homeowner's Choice Home Insurance Reviews
Date: September 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: September 04, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
People's Trust Insurance Home Insurance Reviews
Date: June 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: May 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: December 03, 2017 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Progressive Home Insurance Reviews
Date: October 21, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: March 30, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Security First Home Insurance Home Insurance Reviews
Date: December 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Allstate Home Insurance Reviews
Date: July 18, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Frontline Insurance Home Insurance Reviews
Date: October 12, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
GEICO Home Insurance Reviews
Date: November 28, 2018 Age: Above 60 Gender: Female Marital Status: Married