Get multiple home insurance quotes in 33135. Our licensed 33135, FL agents are ready to serve you.

Homeowners Insurance in 33135

For homeowners living in 33135, you want more affordable home insurance rates in Miami, right? Our rates are very competitive for homeowners living in the great city of Miami, FL. Many homeowners living in the 33135 area have found it very easy to shop with For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 33135 should appear in the zip code field ready to go. Comparing Miami, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

33135 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Miami pay around $1603 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 33135 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Miami homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

Get 33135 Homeowners Insurance Rates Now!

33135 Home Insurance Average Premiums

Local 33135 homeowners insurance quotes comparison

$1353 /yr.

Shows Zip Code: 33135 lowest rates with discounts applied on average.

For the 33135, 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)
$1353 /yr.
Average Coverage:$1603 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1903 /yr.

What is the average home insurance cost for a home in 33135?

  • • The average homeowners insurance premium paid annually for a home in 33135 is around $1603 per year.

What does it cost on average per month for home insurance in 33135?

  • • Homeowners in 33135 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 33135?

  • • Autoowners in 33135 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 33135.
Review average rates in another zip code:
33180 homeowners insurance rates
33133 homeowners insurance rates
33137 homeowners insurance rates
33172 homeowners insurance rates
33155 homeowners insurance rates
33178 homeowners insurance rates
33179 homeowners insurance rates
33162 homeowners insurance rates
33173 homeowners insurance rates
33185 homeowners insurance rates

Home Replacement Cost Coverage in 33135

Average Building Cost Per Square Foot in 33135: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33135: 1,943 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33135 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 33135 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 33135 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,943 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$1671,943$324,400
Additional Upgrades & Added Features$2091,943$405,500
Major Home Updates or Advancements$2511,943$486,600

It's important to understand that when you estimate your replacement cost of your home in the 33135 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 33135

Best Home & Auto Insurance Agencies in 33135

A 1-Stop Insurance Agency Inc

Address: 3629 SW 8th St Miami, FL 33135

Sol Insurance Agency

Address: 1370 West Flagler Street Miami, FL 33135

Allstate Insurance-Valdivieso Insurance Agency

Address: 29 Ponce de Leon Blvd Coral Gables, FL 33135

Alpha Insurance Agency Inc

Address: 104 SW 27th Ave Miami, FL 33135

Andy's Assurance Agencies

Address: 1441 West Flagler Street Miami, FL 33135

Housing Demographics for 33135

Population Review for 33135 Zip Code

For the city of Miami, the population within 33135 has increased to over 35,033 residents in population size. The current population total is 36,232. We have broken down the population based on race below. In 33135, there are over 17662 in male population and 18570 females.

Total Population36,232
White Population9766
Black Population765
Hispanic Population33661
Asian Population173
Hawaiian Population2
Indian Population213
Other Population6670
Male Population17662
Female Population18570
Population Estimate35033

Household Data for 33135

The average number of homes in 33135 is around 14,802, there are an average of 2.44 per household. The average house value according to local real estate values is around $324,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,802
Persons Per Household2.44
Average House Value$324,400
Income Per Household$32460
Median Age44.3
Median Age Male41.7
Median Age Female46.5
33135 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
City Alias NameMIAMI
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 Businesses838
Number Of Employees7442
Business First Quarter Payroll62762
Business Annual Payroll288204
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 Residential14358
Delivery Business1495
Delivery Total16688
Preferred Last Line KeyY22388
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22388
Land Area2.127000
Water Area0.000000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count502
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 […]