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Homeowners Insurance coverage in 33149

If you are a homeowner in 33149 or Key Biscayne, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Key Biscayne.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 33149.

Learn more about our homeowners insurance shopping service by selecting the best Key Biscayne, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 33149?

Residents of Key Biscayne have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 33149 zipcode, expect to pay around $1668 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Key Biscayne does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

33149 Home Insurance Average Premiums

Local 33149 homeowners insurance quotes comparison

$1418 /yr.

Shows Zip Code: 33149 lowest rates with discounts applied on average.

For the 33149, 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)
$1418 /yr.
Average Coverage:$1668 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1968 /yr.

What is the average home insurance cost for a home in 33149?

  • • The average homeowners insurance premium paid annually for a home in 33149 is around $1668 per year.

What does it cost on average per month for home insurance in 33149?

  • • Homeowners in 33149 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 33149?

  • • Autoowners in 33149 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 Key Biscayne area, check out other zip codes nearby 33149.
Review average rates in another zip code:
33149 homeowners insurance rates

Home Replacement Cost Coverage in 33149

Average Building Cost Per Square Foot in 33149: $167

Location: Key Biscayne, Florida (Miami-dade County)

Average Square Footage in 33149: 7,413 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33149 before you start any project. Key Biscayne 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 33149 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 33149 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 7,413 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 Key Biscayne 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$1677,413$1,238,000
Additional Upgrades & Added Features$2097,413$1,547,500
Major Home Updates or Advancements$2517,413$1,857,000

It's important to understand that when you estimate your replacement cost of your home in the 33149 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 33149

Best Home & Auto Insurance Agencies in 33149

Housing Demographics for 33149

Population Review for 33149 Zip Code

For the city of Key Biscayne, the population within 33149 has increased to over 18,751 residents in population size. The current population total is 14,847. We have broken down the population based on race below. In 33149, there are over 7030 in male population and 7817 females.

Total Population14,847
White Population6125
Black Population40
Hispanic Population9900
Asian Population115
Hawaiian Population4
Indian Population14
Other Population928
Male Population7030
Female Population7817
Population Estimate18751

Household Data for 33149

The average number of homes in 33149 is around 5,310, there are an average of 2.80 per household. The average house value according to local real estate values is around $1,238,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,310
Persons Per Household2.80
Average House Value$1,238,000
Income Per Household$167438
Median Age43.4
Median Age Male42.4
Median Age Female44.0
33149 DetailsValues
State Full NameFlorida
City TypeB
City Alias Abbreviation
Area Code305
CityKey Biscayne
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 Businesses653
Number Of Employees3148
Business First Quarter Payroll31625
Business Annual Payroll145884
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 Residential6697
Delivery Business420
Delivery Total9535
Preferred Last Line KeyY22163
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22163
Land Area4.709000
Water Area9.382000
City Alias Code
City Mixed CaseKey Biscayne
City Alias Mixed CaseKey Biscayne
Box Count136
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeB
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 […]