Get multiple home insurance quotes in 33134. Our licensed 33134, FL agents are ready to serve you.

Homeowners Insurance in 33134

In Miami, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 33134 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 33134 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33134 should appear in the zip code field ready to go.

33134 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1728. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Miami home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 33134 Home Insurance Rates Now!

Best 3 Options to Compare in 33134

If you want homeowners insurance quotes within the city of Miami or in the 33134 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Miami, FL.

33134 Home Insurance Average Premiums

Local 33134 homeowners insurance quotes comparison

$1478 /yr.

Shows Zip Code: 33134 lowest rates with discounts applied on average.

For the 33134, 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)
$1478 /yr.
Average Coverage:$1728 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2028 /yr.

What is the average home insurance cost for a home in 33134?

  • • The average homeowners insurance premium paid annually for a home in 33134 is around $1728 per year.

What does it cost on average per month for home insurance in 33134?

  • • Homeowners in 33134 pay a monthly average cost per month around $144.00.

What kind of discount could I get if I combine my home and auto insurance together in 33134?

  • • Autoowners in 33134 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 33134.
Review average rates in another zip code:
33190 homeowners insurance rates
33125 homeowners insurance rates
33180 homeowners insurance rates
33185 homeowners insurance rates
33169 homeowners insurance rates
33129 homeowners insurance rates
33196 homeowners insurance rates
33156 homeowners insurance rates
33150 homeowners insurance rates
33130 homeowners insurance rates

Home Replacement Cost Coverage in 33134

Average Building Cost Per Square Foot in 33134: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33134: 3,292 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33134 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 33134 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 33134 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,292 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$1673,292$549,800
Additional Upgrades & Added Features$2093,292$687,250
Major Home Updates or Advancements$2513,292$824,700

It's important to understand that when you estimate your replacement cost of your home in the 33134 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 33134

Best Home & Auto Insurance Agencies in 33134

All Insure Inc

Address: 5632 SW 8th St Coral Gables, FL 33134
Phone:
Website:
Info:

Allstate Insurance-C. Gloria Alonso- AAI

Address: 5456 SW 8th St, #235 Coral Gables, FL 33134
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Dennis R Burgess Ins Agency Inc - State Farm Insurance Agent

Address: 6 Palermo Ave Coral Gables, FL 33134
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=592663
Info:

ESTRELLA INSURANCE

Address: 4901 Southwest 8th Street Miami, FL 33134
Phone:
Website: http://www.estrellainsurance.com/
Info:

Estrella Insurance Incorporated

Address: 3746 West Flagler Street Miami, FL 33134
Phone:
Website: http://www.estrellainsurance.com/
Info:

Housing Demographics for 33134

Population Review for 33134 Zip Code

For the city of Miami, the population within 33134 has increased to over 39,936 residents in population size. The current population total is 38,739. We have broken down the population based on race below. In 33134, there are over 18148 in male population and 20591 females.

PopulationValues
Total Population38,739
White Population14459
Black Population436
Hispanic Population28831
Asian Population675
Hawaiian Population8
Indian Population60
Other Population3353
Male Population18148
Female Population20591
Population Estimate39936

Household Data for 33134

The average number of homes in 33134 is around 16,628, there are an average of 2.33 per household. The average house value according to local real estate values is around $549,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,628
Persons Per Household2.33
Average House Value$549,800
Income Per Household$79544
Median Age46.0
Median Age Male44.6
Median Age Female47.3
33134 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
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 Businesses3864
Number Of Employees33143
Business First Quarter Payroll855994
Business Annual Payroll3381194
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 Residential17140
Delivery Business3024
Delivery Total20555
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 Area5.228000
Water Area0.013000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU9177
MFDU7580
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

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • 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 […]