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33056 Home Insurance Quotes & Rates

Currently, the 11,084 homes within the 33056 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,657 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Miami Gardens, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 33056.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Miami Gardens home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 33056 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Miami Gardens, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Miami Gardens, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

33056 Home Insurance Average Premiums

Local 33056 homeowners insurance quotes comparison

$1407 /yr.

Shows Zip Code: 33056 lowest rates with discounts applied on average.

For the 33056, 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)
$1407 /yr.
Average Coverage:$1657 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1957 /yr.

What is the average home insurance cost for a home in 33056?

  • • The average homeowners insurance premium paid annually for a home in 33056 is around $1657 per year.

What does it cost on average per month for home insurance in 33056?

  • • Homeowners in 33056 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 33056?

  • • Autoowners in 33056 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 Miami Gardens area, check out other zip codes nearby 33056.
Review average rates in another zip code:
33056 homeowners insurance rates

Home Replacement Cost Coverage in 33056

Average Building Cost Per Square Foot in 33056: $167

Location: Miami Gardens, Florida (Miami-dade County)

Average Square Footage in 33056: 1,472 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33056 before you start any project. Miami Gardens 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 33056 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 33056 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,472 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 Miami Gardens 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$1671,472$245,900
Additional Upgrades & Added Features$2091,472$307,375
Major Home Updates or Advancements$2511,472$368,850

It's important to understand that when you estimate your replacement cost of your home in the 33056 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 33056

Best Home & Auto Insurance Agencies in 33056

Flores, Ernesto - E & E Insurance Service

Address: 17633 NW 27th Ave Miami Gardens, FL 33056
Phone:
Website:
Info:

ACE Cash Express

Address: 17207 Northwest 27th Avenue Miami Gardens, FL 33056
Phone:
Website: http://www.acecashexpress.com/
Info:

Annette Willis Ins

Address: 18401 Northwest 27th Avenue Miami Gardens, FL 33056
Phone:
Website: http://www.annettewillisinsurance.com/
Info:

Housing Demographics for 33056

Population Review for 33056 Zip Code

For the city of Miami Gardens, the population within 33056 has increased to over 39,874 residents in population size. The current population total is 36,556. We have broken down the population based on race below. In 33056, there are over 17169 in male population and 19387 females.

PopulationValues
Total Population36,556
White Population2733
Black Population25283
Hispanic Population10345
Asian Population170
Hawaiian Population3
Indian Population57
Other Population2406
Male Population17169
Female Population19387
Population Estimate39874

Household Data for 33056

The average number of homes in 33056 is around 11,084, there are an average of 3.27 per household. The average house value according to local real estate values is around $245,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,084
Persons Per Household3.27
Average House Value$245,900
Income Per Household$52538
Median Age37.0
Median Age Male34.9
Median Age Female38.9
33056 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias Abbreviation
Area Code305/786
CityMiami Gardens
City Alias NameMIAMI GARDENS
CountyMiami-dade
County FIPS086
State FIPS12
Time Zone5
Day Light SavingY
MSA4992
PMSA5000
CSA370
CBSA33100
CBSA_DIV33124
CBSA_TypeMetro
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
PMSA_NameMiami, FL PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses444
Number Of Employees4553
Business First Quarter Payroll67974
Business Annual Payroll408221
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
Congressional LandArea106.08
Delivery Residential12194
Delivery Business467
Delivery Total16123
Preferred Last Line KeyY22393
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22393
Land Area6.127000
Water Area0.262000
City Alias Code
City Mixed CaseMiami Gardens
City Alias Mixed CaseMiami Gardens
Box Count0
SFDU8733
MFDU1368
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeB
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 […]