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Find the Best Home Insurance Rates in 33157

Shopping for homeowners insurance in 33157 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Miami, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 33157 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 33157

Find Miami, FL Homeowners Insurance Quotes to review the best coverage options in your area.

33157 Home Insurance Rating is: very high!

In 33157 the average premium is $1631. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 33157, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 33157!

33157 Home Insurance Average Premiums

Local 33157 homeowners insurance quotes comparison

$1381 /yr.

Shows Zip Code: 33157 lowest rates with discounts applied on average.

For the 33157, 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)
$1381 /yr.
Average Coverage:$1631 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1931 /yr.

What is the average home insurance cost for a home in 33157?

  • • The average homeowners insurance premium paid annually for a home in 33157 is around $1631 per year.

What does it cost on average per month for home insurance in 33157?

  • • Homeowners in 33157 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33157?

  • • Autoowners in 33157 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 33157.
Review average rates in another zip code:
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33168 homeowners insurance rates

Home Replacement Cost Coverage in 33157

Average Building Cost Per Square Foot in 33157: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33157: 2,174 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33157 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 33157 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 33157 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,174 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$1672,174$363,100
Additional Upgrades & Added Features$2092,174$453,875
Major Home Updates or Advancements$2512,174$544,650

It's important to understand that when you estimate your replacement cost of your home in the 33157 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 33157

All American Insurance Agency

Address: 9036 Southwest 152nd Street Miami, FL 33157
Phone: (305)233-0855
Website:

Best Home & Auto Insurance Agencies in 33157

ESTRELLA INSURANCE

Address: 16635 South Dixie Highway Miami, FL 33157
Phone:
Website: http://www.estrellainsurance.com/
Info:

A Aardvark All About Insurance

Address: 17891 S Dixie Hwy Miami, FL 33157
Phone:
Website:
Info:

State Farm Insurance

Address: 19151 South Dixie Highway #205 Cutler Bay, FL 33157
Phone:
Website: http://www.statefarm.com/
Info:

All American Insurance Agency

Address: 9036 SW 152nd St Miami, FL 33157
Phone:
Website:
Info:

Absolute Ins Agency

Address: 17010 South Dixie Highway Palmetto Bay, FL 33157
Phone:
Website:
Info:

Housing Demographics for 33157

Population Review for 33157 Zip Code

For the city of Miami, the population within 33157 has increased to over 70,330 residents in population size. The current population total is 68,069. We have broken down the population based on race below. In 33157, there are over 32490 in male population and 35579 females.

PopulationValues
Total Population68,069
White Population22025
Black Population13470
Hispanic Population38300
Asian Population1767
Hawaiian Population10
Indian Population164
Other Population5931
Male Population32490
Female Population35579
Population Estimate70330

Household Data for 33157

The average number of homes in 33157 is around 22,801, there are an average of 2.95 per household. The average house value according to local real estate values is around $363,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,801
Persons Per Household2.95
Average House Value$363,100
Income Per Household$71824
Median Age42.7
Median Age Male40.7
Median Age Female44.3
33157 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code786/305
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 Businesses1809
Number Of Employees19376
Business First Quarter Payroll235000
Business Annual Payroll931221
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|28
Congressional LandArea208.84|0
Delivery Residential23841
Delivery Business2198
Delivery Total25874
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 Area14.943000
Water Area0.292000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU17829
MFDU4294
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 […]