Get multiple home insurance quotes in 33145. Our licensed 33145, FL agents are ready to serve you.

33145 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 33145 is very time consuming. At, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Miami, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 33145 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Miami homeowners insurance rates, coverage options or home insurance types, please select Miami, FL Home Insurance Rates Online!

33145 Home Insurance Average Premiums

Local 33145 homeowners insurance quotes comparison

$1292 /yr.

Shows Zip Code: 33145 lowest rates with discounts applied on average.

For the 33145, 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)
$1292 /yr.
Average Coverage:$1542 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1842 /yr.

What is the average home insurance cost for a home in 33145?

  • • The average homeowners insurance premium paid annually for a home in 33145 is around $1542 per year.

What does it cost on average per month for home insurance in 33145?

  • • Homeowners in 33145 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 33145?

  • • Autoowners in 33145 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 33145.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33145

Average Building Cost Per Square Foot in 33145: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33145: 2,570 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33145 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 33145 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 33145 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,570 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$1672,570$429,200
Additional Upgrades & Added Features$2092,570$536,500
Major Home Updates or Advancements$2512,570$643,800

It's important to understand that when you estimate your replacement cost of your home in the 33145 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 33145

Best Home & Auto Insurance Agencies in 33145

Allstate Insurance Company - Juan Sanchez

Address: 3134 Coral Way Miami, FL 33145

Allstate Insurance Companies - Sales Offices- Miami

Address: 2050 Coral Way Miami, FL 33145
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,

Auto Insurance

Address: 3400 Coral Way Miami, FL 33145

Fernando Izquierdo - Allstate Agent

Address: 2103 Coral Way #302 Miami, FL 33145

Housing Demographics for 33145

Population Review for 33145 Zip Code

For the city of Miami, the population within 33145 has increased to over 29,103 residents in population size. The current population total is 29,737. We have broken down the population based on race below. In 33145, there are over 14166 in male population and 15571 females.

Total Population29,737
White Population9701
Black Population456
Hispanic Population24779
Asian Population485
Hawaiian Population12
Indian Population107
Other Population3516
Male Population14166
Female Population15571
Population Estimate29103

Household Data for 33145

The average number of homes in 33145 is around 11,793, there are an average of 2.51 per household. The average house value according to local real estate values is around $429,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,793
Persons Per Household2.51
Average House Value$429,200
Income Per Household$62806
Median Age44.2
Median Age Male42.0
Median Age Female46.4
33145 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 Businesses1108
Number Of Employees7416
Business First Quarter Payroll76735
Business Annual Payroll331863
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 Residential11595
Delivery Business936
Delivery Total12782
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 Area2.543000
Water Area0.000000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
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 […]