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Compare multiple home insurance rates for your home in Miami just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 8,983 neighbors looking to save on their home insurance policy in the local 33144 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 33144. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Miami, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Miami, FL

33144 Home Insurance Average Premiums

Local 33144 homeowners insurance quotes comparison

$1432 /yr.

Shows Zip Code: 33144 lowest rates with discounts applied on average.

For the 33144, 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)
$1432 /yr.
Average Coverage:$1682 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1982 /yr.

What is the average home insurance cost for a home in 33144?

  • • The average homeowners insurance premium paid annually for a home in 33144 is around $1682 per year.

What does it cost on average per month for home insurance in 33144?

  • • Homeowners in 33144 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 33144?

  • • Autoowners in 33144 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 33144.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33144

Average Building Cost Per Square Foot in 33144: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33144: 2,038 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33144 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 33144 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 33144 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,038 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$1672,038$340,400
Additional Upgrades & Added Features$2092,038$425,500
Major Home Updates or Advancements$2512,038$510,600

It's important to understand that when you estimate your replacement cost of your home in the 33144 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 33144

Best Home & Auto Insurance Agencies in 33144

Allstate Insurance Companies - Sales Offices- West Miami

Address: 1001 SW 67th Ave, #102 Miami, FL 33144
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance Company - Maria Lopez

Address: 1001 Southwest 67th Avenue Miami, FL 33144
Phone:
Website: http://www.allstateagencies.com/042371?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Company - Leslie Sayus

Address: 7575 West Flagler Street Miami, FL 33144
Phone:
Website: http://www.allstateagencies.com/047213?cid=OTC-YP.com-IYP&att=TL
Info:

A Aachen Aardvark Assurance Insure Smart

Address: 7884 W Flagler St Miami, FL 33144
Phone:
Website: http://www.insure-smart.com
Info:

Gus, Figueredo Miami - State Farm Seguros De Auto Carro Vida 33174 33172

Address: 7950 West Flagler Street #103 Miami, FL 33144
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/59/6656
Info:

Housing Demographics for 33144

Population Review for 33144 Zip Code

For the city of Miami, the population within 33144 has increased to over 24,624 residents in population size. The current population total is 25,814. We have broken down the population based on race below. In 33144, there are over 12167 in male population and 13647 females.

PopulationValues
Total Population25,814
White Population7450
Black Population217
Hispanic Population24035
Asian Population170
Hawaiian Population1
Indian Population33
Other Population2844
Male Population12167
Female Population13647
Population Estimate24624

Household Data for 33144

The average number of homes in 33144 is around 8,983, there are an average of 2.85 per household. The average house value according to local real estate values is around $340,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,983
Persons Per Household2.85
Average House Value$340,400
Income Per Household$55647
Median Age48.1
Median Age Male46.2
Median Age Female50.0
33144 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 Businesses1206
Number Of Employees8489
Business First Quarter Payroll71777
Business Annual Payroll307549
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 Residential8640
Delivery Business1516
Delivery Total11244
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 Area3.090000
Water Area0.047000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count797
SFDU6181
MFDU2125
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 […]