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Check Out 33127 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Miami, FL.

We will gather some basic information about your home in Miami, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 33127 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 33127

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Miami, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

33127 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 33127 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1608. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 33127 homeowners insurance policy!

33127 Home Insurance Average Premiums

Local 33127 homeowners insurance quotes comparison

$1358 /yr.

Shows Zip Code: 33127 lowest rates with discounts applied on average.

For the 33127, 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)
$1358 /yr.
Average Coverage:$1608 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1908 /yr.

What is the average home insurance cost for a home in 33127?

  • • The average homeowners insurance premium paid annually for a home in 33127 is around $1608 per year.

What does it cost on average per month for home insurance in 33127?

  • • Homeowners in 33127 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33127?

  • • Autoowners in 33127 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 area, check out other zip codes nearby 33127.
Review average rates in another zip code:
33178 homeowners insurance rates
33167 homeowners insurance rates
33133 homeowners insurance rates
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33174 homeowners insurance rates
33142 homeowners insurance rates
33180 homeowners insurance rates

Home Replacement Cost Coverage in 33127

Average Building Cost Per Square Foot in 33127: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33127: 1,786 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33127 before you start any project. Miami 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 33127 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 33127 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,786 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 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$1671,786$298,300
Additional Upgrades & Added Features$2091,786$372,875
Major Home Updates or Advancements$2511,786$447,450

It's important to understand that when you estimate your replacement cost of your home in the 33127 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 33127

Best Home & Auto Insurance Agencies in 33127

ACE Cash Express

Address: 2973 Northwest 12th Avenue Miami, FL 33127
Phone:
Website: http://www.acecashexpress.com/
Info:

A A B A Lopez Insurance Agency Inc

Address: 2899 NW 2nd Ave Miami, FL 33127
Phone:
Website:
Info:

Jeancy, Wilson - Titantic Insurance

Address: 34 Northwest 54th Street Miami, FL 33127
Phone:
Website:
Info:

Housing Demographics for 33127

Population Review for 33127 Zip Code

For the city of Miami, the population within 33127 has increased to over 29,290 residents in population size. The current population total is 27,692. We have broken down the population based on race below. In 33127, there are over 13853 in male population and 13839 females.

PopulationValues
Total Population27,692
White Population3949
Black Population11819
Hispanic Population14460
Asian Population125
Hawaiian Population11
Indian Population116
Other Population4503
Male Population13853
Female Population13839
Population Estimate29290

Household Data for 33127

The average number of homes in 33127 is around 9,787, there are an average of 2.80 per household. The average house value according to local real estate values is around $298,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,787
Persons Per Household2.80
Average House Value$298,300
Income Per Household$34102
Median Age36.5
Median Age Male35.4
Median Age Female37.7
33127 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305
CityMiami
City Alias NameMIAMI
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 Businesses967
Number Of Employees8443
Business First Quarter Payroll76429
Business Annual Payroll374110
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 Residential10461
Delivery Business1539
Delivery Total15359
Preferred Last Line KeyY22388
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22388
Land Area3.294000
Water Area0.003000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU5978
MFDU3730
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115850
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 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: […]

  • 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 […]