Get multiple home insurance quotes in 33154. Our licensed 33154, FL agents are ready to serve you.

33154 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 33154 zip code find a great new policy that offers the coverage they need at a price they can afford. makes shopping for a new policy in Miami Beach, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 33154.

Shopping for insurance quotes on is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 33154 and start shopping.

Quickly and Easily Compare Average Rates for 33154

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Miami Beach, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 33154

Homeowners in Miami Beach are paying roughly $1750 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 33154 Home Insurance Quotes right now!

33154 Home Insurance Average Premiums

Local 33154 homeowners insurance quotes comparison

$1500 /yr.

Shows Zip Code: 33154 lowest rates with discounts applied on average.

For the 33154, 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)
$1500 /yr.
Average Coverage:$1750 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2050 /yr.

What is the average home insurance cost for a home in 33154?

  • • The average homeowners insurance premium paid annually for a home in 33154 is around $1750 per year.

What does it cost on average per month for home insurance in 33154?

  • • Homeowners in 33154 pay a monthly average cost per month around $146.00.

What kind of discount could I get if I combine my home and auto insurance together in 33154?

  • • Autoowners in 33154 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 Beach area, check out other zip codes nearby 33154.
Review average rates in another zip code:
33140 homeowners insurance rates
33109 homeowners insurance rates
33141 homeowners insurance rates
33139 homeowners insurance rates
33154 homeowners insurance rates

Home Replacement Cost Coverage in 33154

Average Building Cost Per Square Foot in 33154: $167

Location: Miami Beach, Florida (Miami-dade County)

Average Square Footage in 33154: 3,889 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33154 before you start any project. Miami Beach 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 33154 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 33154 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,889 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 Beach 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$1673,889$649,400
Additional Upgrades & Added Features$2093,889$811,750
Major Home Updates or Advancements$2513,889$974,100

It's important to understand that when you estimate your replacement cost of your home in the 33154 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 33154

Best Home & Auto Insurance Agencies in 33154

Allstate Insurance Companies

Address: 1133 Kane Concourse Bay Harbor Islands, FL 33154

Housing Demographics for 33154

Population Review for 33154 Zip Code

For the city of Miami Beach, the population within 33154 has increased to over 21,281 residents in population size. The current population total is 14,792. We have broken down the population based on race below. In 33154, there are over 7019 in male population and 7773 females.

Total Population14,792
White Population9175
Black Population229
Hispanic Population6100
Asian Population204
Hawaiian Population3
Indian Population24
Other Population953
Male Population7019
Female Population7773
Population Estimate21281

Household Data for 33154

The average number of homes in 33154 is around 6,389, there are an average of 2.32 per household. The average house value according to local real estate values is around $649,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,389
Persons Per Household2.32
Average House Value$649,400
Income Per Household$75350
Median Age45.8
Median Age Male45.4
Median Age Female46.3
33154 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
CityMiami Beach
City Alias NameMIAMI BEACH
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 Businesses816
Number Of Employees5387
Business First Quarter Payroll65234
Business Annual Payroll289638
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 Residential9173
Delivery Business598
Delivery Total9980
Preferred Last Line Key000153
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State Key000153
Land Area1.939000
Water Area1.754000
City Alias Code
City Mixed CaseMiami Beach
City Alias Mixed CaseMiami Beach
Box Count201
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115856
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 […]