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33138 Home Insurance Rates

For homeowners living in 33138, the population estimates are increasing to well over 27,601 with 12,249 occupied homes within the zip code of 33138. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Miami have increased and the average home insurance premium is around $1,606 per year in 33138. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 33138 zip code today so we can help you find affordable Miami, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 33138

Please select one of the three options below based on your 33138 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Miami-dade County, FL Home Insurance
  3. Miami, FL Home Insurance Quotes

33138 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 33138 zip code just got easier with GetHomeInsuranceQuotes.com of Miami, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 33138 today and let us help you review the best home insurance quotes available for homeowners living in Miami.

Get 33138 Homeowners Insurance Rates Now!

33138 Home Insurance Average Premiums

Local 33138 homeowners insurance quotes comparison

$1356 /yr.

Shows Zip Code: 33138 lowest rates with discounts applied on average.

For the 33138, 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)
$1356 /yr.
Average Coverage:$1606 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1906 /yr.

What is the average home insurance cost for a home in 33138?

  • • The average homeowners insurance premium paid annually for a home in 33138 is around $1606 per year.

What does it cost on average per month for home insurance in 33138?

  • • Homeowners in 33138 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 33138?

  • • Autoowners in 33138 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 33138.
Review average rates in another zip code:
33174 homeowners insurance rates
33147 homeowners insurance rates
33173 homeowners insurance rates
33137 homeowners insurance rates
33132 homeowners insurance rates
33175 homeowners insurance rates
33167 homeowners insurance rates
33128 homeowners insurance rates
33126 homeowners insurance rates
33166 homeowners insurance rates

Home Replacement Cost Coverage in 33138

Average Building Cost Per Square Foot in 33138: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33138: 3,059 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33138 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 33138 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 33138 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,059 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$1673,059$510,900
Additional Upgrades & Added Features$2093,059$638,625
Major Home Updates or Advancements$2513,059$766,350

It's important to understand that when you estimate your replacement cost of your home in the 33138 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 33138

Best Home & Auto Insurance Agencies in 33138

Allstate Insurance Company

Address: 8703 Biscayne Blvd Miami Shores, FL 33138
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Michele, Belizaire - State Farm Insurance Belizaire Agency Inc 33138

Address: 8600 Northeast 2nd Avenue Miami, FL 33138
Phone:
Website: http://www.michelebelizaire.com/
Info:

Housing Demographics for 33138

Population Review for 33138 Zip Code

For the city of Miami, the population within 33138 has increased to over 28,667 residents in population size. The current population total is 27,601. We have broken down the population based on race below. In 33138, there are over 13852 in male population and 13749 females.

PopulationValues
Total Population27,601
White Population10055
Black Population7732
Hispanic Population10877
Asian Population515
Hawaiian Population5
Indian Population56
Other Population2181
Male Population13852
Female Population13749
Population Estimate28667

Household Data for 33138

The average number of homes in 33138 is around 12,249, there are an average of 2.24 per household. The average house value according to local real estate values is around $510,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,249
Persons Per Household2.24
Average House Value$510,900
Income Per Household$57063
Median Age42.4
Median Age Male42.5
Median Age Female42.3
33138 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 Businesses1215
Number Of Employees6972
Business First Quarter Payroll77461
Business Annual Payroll372854
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 Residential12798
Delivery Business1272
Delivery Total14197
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 Area4.213000
Water Area2.216000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU5840
MFDU5938
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 […]