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If you live in the 33155 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Miami have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 33155 and then compare quotes from a variety of nationwide insurance companies.

33155 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 33155 the average premium for homeowners coverage is $1665 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 33155. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

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33155 Home Insurance Average Premiums

Local 33155 homeowners insurance quotes comparison

$1415 /yr.

Shows Zip Code: 33155 lowest rates with discounts applied on average.

For the 33155, 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)
$1415 /yr.
Average Coverage:$1665 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1965 /yr.

What is the average home insurance cost for a home in 33155?

  • • The average homeowners insurance premium paid annually for a home in 33155 is around $1665 per year.

What does it cost on average per month for home insurance in 33155?

  • • Homeowners in 33155 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 33155?

  • • Autoowners in 33155 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 33155.
Review average rates in another zip code:
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33158 homeowners insurance rates
33176 homeowners insurance rates

Home Replacement Cost Coverage in 33155

Average Building Cost Per Square Foot in 33155: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33155: 2,466 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33155 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 33155 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 33155 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,466 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$1672,466$411,900
Additional Upgrades & Added Features$2092,466$514,875
Major Home Updates or Advancements$2512,466$617,850

It's important to understand that when you estimate your replacement cost of your home in the 33155 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 33155

Consolidated Insurance Brokerage

Address: 1738 South Red Road Miami, FL 33155
Phone: (305)261-8007

Best Home & Auto Insurance Agencies in 33155

Allstate Insurance Company - La Cruz Jenny De

Address: 7333 Coral Way Miami, FL 33155

Allstate Insurance Company - Edward Mena

Address: 6262 Bird Road Miami, FL 33155

Acceptance Insurance Services Inc

Address: 6887 Bird Rd Miami, FL 33155

Carlos, Luis Miami - State Farm Insurance Auto Car Life 33155 33134

Address: 6001 Southwest 40th Street Miami, FL 33155

Allstate Insurance Companies

Address: 1740 Red Rd Miami, FL 33155

Housing Demographics for 33155

Population Review for 33155 Zip Code

For the city of Miami, the population within 33155 has increased to over 45,286 residents in population size. The current population total is 43,695. We have broken down the population based on race below. In 33155, there are over 20635 in male population and 23060 females.

Total Population43,695
White Population14493
Black Population463
Hispanic Population36793
Asian Population440
Hawaiian Population11
Indian Population74
Other Population3650
Male Population20635
Female Population23060
Population Estimate45286

Household Data for 33155

The average number of homes in 33155 is around 15,720, there are an average of 2.77 per household. The average house value according to local real estate values is around $411,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,720
Persons Per Household2.77
Average House Value$411,900
Income Per Household$71646
Median Age45.2
Median Age Male43.0
Median Age Female47.3
33155 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 Businesses2348
Number Of Employees19463
Business First Quarter Payroll228295
Business Annual Payroll1018434
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 Residential16349
Delivery Business2581
Delivery Total18154
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 Area7.372000
Water Area0.543000
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

  • 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 […]