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33055 Home Insurance Rates

For homeowners living in 33055, the population estimates are increasing to well over 42,950 with 12,446 occupied homes within the zip code of 33055. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Opa Locka have increased and the average home insurance premium is around $1,669 per year in 33055. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 33055 zip code today so we can help you find affordable Opa Locka, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 33055

Please select one of the three options below based on your 33055 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Miami-dade County, FL Home Insurance
  3. Opa Locka, FL Home Insurance Quotes

33055 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 33055 zip code just got easier with of Opa Locka, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 33055 today and let us help you review the best home insurance quotes available for homeowners living in Opa Locka.

Get 33055 Homeowners Insurance Rates Now!

33055 Home Insurance Average Premiums

Local 33055 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 33055 lowest rates with discounts applied on average.

For the 33055, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 33055?

  • • The average homeowners insurance premium paid annually for a home in 33055 is around $1669 per year.

What does it cost on average per month for home insurance in 33055?

  • • Homeowners in 33055 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 33055?

  • • Autoowners in 33055 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 33055.
Review average rates in another zip code:
33055 homeowners insurance rates
33054 homeowners insurance rates

Home Replacement Cost Coverage in 33055

Average Building Cost Per Square Foot in 33055: $167

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

Average Square Footage in 33055: 1,589 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33055 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 33055 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 33055 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,589 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$1671,589$265,400
Additional Upgrades & Added Features$2091,589$331,750
Major Home Updates or Advancements$2511,589$398,100

It's important to understand that when you estimate your replacement cost of your home in the 33055 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 33055

Best Home & Auto Insurance Agencies in 33055

Molina, Arturo J - Allstate

Address: 4888 Northwest 183rd Terrace Miami Gardens, FL 33055

Housing Demographics for 33055

Population Review for 33055 Zip Code

For the city of Opa Locka, the population within 33055 has increased to over 42,645 residents in population size. The current population total is 42,950. We have broken down the population based on race below. In 33055, there are over 20607 in male population and 22343 females.

Total Population42,950
White Population8670
Black Population11112
Hispanic Population29938
Asian Population401
Hawaiian Population7
Indian Population87
Other Population5844
Male Population20607
Female Population22343
Population Estimate42645

Household Data for 33055

The average number of homes in 33055 is around 12,446, there are an average of 3.44 per household. The average house value according to local real estate values is around $265,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,446
Persons Per Household3.44
Average House Value$265,400
Income Per Household$51577
Median Age42.3
Median Age Male40.1
Median Age Female44.0
33055 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305
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 Businesses440
Number Of Employees2714
Business First Quarter Payroll25147
Business Annual Payroll107027
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 Residential12397
Delivery Business285
Delivery Total14724
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 Area6.005000
Water Area0.319000
City Alias Code
City Mixed CaseOpa Locka
City Alias Mixed CaseOpa Locka
Box Count571
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

  • 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: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]