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33147, FL Homeowners Insurance Rates

With a population size of 48,823 and with 15,720 occupied homes in the 33147 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Miami, FL are around $1,646 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Miami, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Miami, FL.

For Florida home insurance information, including average Miami home insurance rates, coverage options or the different homeowners insurance types, please select Miami, FL Home Insurance Quotes Now!

33147 Home Insurance Average Premiums

Local 33147 homeowners insurance quotes comparison

$1396 /yr.

Shows Zip Code: 33147 lowest rates with discounts applied on average.

For the 33147, 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)
$1396 /yr.
Average Coverage:$1646 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1946 /yr.

What is the average home insurance cost for a home in 33147?

  • • The average homeowners insurance premium paid annually for a home in 33147 is around $1646 per year.

What does it cost on average per month for home insurance in 33147?

  • • Homeowners in 33147 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 33147?

  • • Autoowners in 33147 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 33147.
Review average rates in another zip code:
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33143 homeowners insurance rates

Home Replacement Cost Coverage in 33147

Average Building Cost Per Square Foot in 33147: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33147: 1,155 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33147 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 33147 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 33147 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,155 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$1671,155$192,900
Additional Upgrades & Added Features$2091,155$241,125
Major Home Updates or Advancements$2511,155$289,350

It's important to understand that when you estimate your replacement cost of your home in the 33147 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 33147

Best Home & Auto Insurance Agencies in 33147

Transamerica Insurance Agency

Address: 1480 Northwest 68th Street Miami, FL 33147
Phone:
Website: http://www.transamericains.com.ypcnproxy.com/
Info:

Enrique, Bello - Agencia De State Farm De Enrique Bello 33014

Address: 1420 Northwest 68th Street Miami, FL 33147
Phone:
Website: http://www.enriquebello.com/
Info:

Larry, Collins - State Farm Agencia De Seguros 33016 Seguros

Address: 7600 Northwest 20th Avenue #109 Miami, FL 33147
Phone:
Website: http://www.larrycollinsins.com/
Info:

C Brian Hart Insurance Corporation

Address: 7954 NW 22nd Ave Miami, FL 33147
Phone:
Website: http://www.cbrianhart.com/
Info:

ESTRELLA INSURANCE

Address: 3331 Northwest 80th Street Miami, FL 33147
Phone:
Website: http://www.estrellainsurance.com/
Info:

Housing Demographics for 33147

Population Review for 33147 Zip Code

For the city of Miami, the population within 33147 has increased to over 48,025 residents in population size. The current population total is 48,823. We have broken down the population based on race below. In 33147, there are over 23787 in male population and 25036 females.

PopulationValues
Total Population48,823
White Population7271
Black Population23015
Hispanic Population24631
Asian Population72
Hawaiian Population7
Indian Population202
Other Population6144
Male Population23787
Female Population25036
Population Estimate48025

Household Data for 33147

The average number of homes in 33147 is around 15,720, there are an average of 3.10 per household. The average house value according to local real estate values is around $192,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,720
Persons Per Household3.10
Average House Value$192,900
Income Per Household$39861
Median Age39.0
Median Age Male38.0
Median Age Female39.9
33147 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 Businesses798
Number Of Employees8397
Business First Quarter Payroll76796
Business Annual Payroll335482
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|26
Congressional LandArea106.08|2098.66
Delivery Residential15492
Delivery Business1148
Delivery Total16652
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 Area7.215000
Water Area0.060000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU11423
MFDU1856
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 […]