Get multiple home insurance quotes in 33054. Our licensed 33054, FL agents are ready to serve you.

33054 Home Insurance Rates

Getting multiple homeowners insurance rates in 33054 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Opa Locka, FL. Many homeowners based out of the 33054 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33054 should appear in the zip code field ready to go. For Opa Locka, FL Home Insurance Quotes, Click to easily get started!

33054 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 33054 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Opa Locka. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1650. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 33054 zip code today and let us help you save time and money on your homeowners insurance premium.

Get 33054 Home Insurance Rates Today and Save!

33054 Home Insurance Average Premiums

Local 33054 homeowners insurance quotes comparison

$1400 /yr.

Shows Zip Code: 33054 lowest rates with discounts applied on average.

For the 33054, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1400 /yr.
Average Coverage:$1650 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1950 /yr.

What is the average home insurance cost for a home in 33054?

  • • The average homeowners insurance premium paid annually for a home in 33054 is around $1650 per year.

What does it cost on average per month for home insurance in 33054?

  • • Homeowners in 33054 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 33054?

  • • Autoowners in 33054 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Opa Locka area, check out other zip codes nearby 33054.
Review average rates in another zip code:
33054 homeowners insurance rates
33055 homeowners insurance rates

Home Replacement Cost Coverage in 33054

Average Building Cost Per Square Foot in 33054: $167

Location: Opa Locka, Florida (Miami-dade County)

Average Square Footage in 33054: 1,294 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33054 before you start any project. Opa Locka homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 33054 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 33054 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,294 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Opa Locka area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,294$216,100
Additional Upgrades & Added Features$2091,294$270,125
Major Home Updates or Advancements$2511,294$324,150

It's important to understand that when you estimate your replacement cost of your home in the 33054 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 33054

Best Home & Auto Insurance Agencies in 33054

Housing Demographics for 33054

Population Review for 33054 Zip Code

For the city of Opa Locka, the population within 33054 has increased to over 29,972 residents in population size. The current population total is 30,352. We have broken down the population based on race below. In 33054, there are over 14553 in male population and 15799 females.

Total Population30,352
White Population3942
Black Population16525
Hispanic Population12974
Asian Population107
Hawaiian Population11
Indian Population72
Other Population3107
Male Population14553
Female Population15799
Population Estimate29972

Household Data for 33054

The average number of homes in 33054 is around 9,765, there are an average of 3.06 per household. The average house value according to local real estate values is around $216,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,765
Persons Per Household3.06
Average House Value$216,100
Income Per Household$36911
Median Age36.3
Median Age Male34.6
Median Age Female38.1
33054 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
CityOpa Locka
City Alias NameOPA LOCKA
County FIPS086
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses785
Number Of Employees12448
Business First Quarter Payroll129585
Business Annual Payroll544729
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5564635
CBSA Division Population2496435
Congressional District24|26
Congressional LandArea106.08|2098.66
Delivery Residential9795
Delivery Business1976
Delivery Total11691
Preferred Last Line KeyY22595
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22595
Land Area8.398000
Water Area0.297000
City Alias Code
City Mixed CaseOpa Locka
City Alias Mixed CaseOpa Locka
Box Count414
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116810
Unique ZIP Name
SSA State County Code10120
Medicare CBSA Code33124
Medicare CBSA NameMiami-Miami Beach-Kendall, FL
Medicare CBSA TypeMetro
Market Rating Area ID43
County Mixed CaseMiami-Dade

Florida Homeowners Insurance News & Information

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]