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Homeowners Insurance in 33128

Getting the most affordable home insurance rates in 33128 just got easier for Miami, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Miami. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Miami, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 33128

When discussing Florida homeowners insurance rates, Miami residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 33128 zipcode are currently paying $1674 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Miami does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

33128 Home Insurance Average Premiums

Local 33128 homeowners insurance quotes comparison

$1424 /yr.

Shows Zip Code: 33128 lowest rates with discounts applied on average.

For the 33128, 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)
$1424 /yr.
Average Coverage:$1674 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1974 /yr.

What is the average home insurance cost for a home in 33128?

  • • The average homeowners insurance premium paid annually for a home in 33128 is around $1674 per year.

What does it cost on average per month for home insurance in 33128?

  • • Homeowners in 33128 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 33128?

  • • Autoowners in 33128 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 33128.
Review average rates in another zip code:
33190 homeowners insurance rates
33128 homeowners insurance rates
33180 homeowners insurance rates
33165 homeowners insurance rates
33145 homeowners insurance rates
33182 homeowners insurance rates
33185 homeowners insurance rates
33167 homeowners insurance rates
33158 homeowners insurance rates
33133 homeowners insurance rates

Home Replacement Cost Coverage in 33128

Average Building Cost Per Square Foot in 33128: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33128: 1,595 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33128 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 33128 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 33128 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,595 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$1671,595$266,300
Additional Upgrades & Added Features$2091,595$332,875
Major Home Updates or Advancements$2511,595$399,450

It's important to understand that when you estimate your replacement cost of your home in the 33128 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 33128

Best Home & Auto Insurance Agencies in 33128

Martin, David - William T Martin Insurance Incorporated

Address: W Flagler St Miami, FL 33128
Phone:
Website:
Info:

Housing Demographics for 33128

Population Review for 33128 Zip Code

For the city of Miami, the population within 33128 has increased to over 9,567 residents in population size. The current population total is 8,213. We have broken down the population based on race below. In 33128, there are over 4171 in male population and 4042 females.

PopulationValues
Total Population8,213
White Population2144
Black Population541
Hispanic Population7239
Asian Population61
Hawaiian Population5
Indian Population79
Other Population1851
Male Population4171
Female Population4042
Population Estimate9567

Household Data for 33128

The average number of homes in 33128 is around 3,520, there are an average of 2.21 per household. The average house value according to local real estate values is around $266,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,520
Persons Per Household2.21
Average House Value$266,300
Income Per Household$25984
Median Age40.7
Median Age Male40.0
Median Age Female42.4
33128 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code786/305
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 Businesses154
Number Of Employees2089
Business First Quarter Payroll25912
Business Annual Payroll106885
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 District27
Congressional LandArea208.84
Delivery Residential4329
Delivery Business398
Delivery Total5474
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 Area0.430000
Water Area0.025000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU342
MFDU3648
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

  • 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 […]