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Home Insurance Quotes in 33174

Are you shopping for a cheaper homeowners insurance rate in 33174? Our rates are very competitive for homeowners living in Miami, FL. Many homeowners located in the 33174 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 33174. To get free 33174 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33174 zip code should appear in the zip code field ready to go. Shopping Miami, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 33174 to review the best rate coverages.

Your 33174 Home Insurance Costs Is Rated: Very High!

For the great city of Miami, the average home insurance premium paid annually is around $1582 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Miami and need insurance on your home in the 33174 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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33174 Home Insurance Average Premiums

Local 33174 homeowners insurance quotes comparison

$1332 /yr.

Shows Zip Code: 33174 lowest rates with discounts applied on average.

For the 33174, 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)
$1332 /yr.
Average Coverage:$1582 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1882 /yr.

What is the average home insurance cost for a home in 33174?

  • • The average homeowners insurance premium paid annually for a home in 33174 is around $1582 per year.

What does it cost on average per month for home insurance in 33174?

  • • Homeowners in 33174 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 33174?

  • • Autoowners in 33174 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 33174.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33174

Average Building Cost Per Square Foot in 33174: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33174: 1,757 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33174 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 33174 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 33174 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,757 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$1671,757$293,500
Additional Upgrades & Added Features$2091,757$366,875
Major Home Updates or Advancements$2511,757$440,250

It's important to understand that when you estimate your replacement cost of your home in the 33174 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 33174

Best Home & Auto Insurance Agencies in 33174

Alvarez- Vivianne Maria

Address: 10538 SW 8th St Miami, FL 33174

All-Motors Assurance Agency Inc

Address: 107 SW 105th Pl Miami, FL 33174

Miami Discount Auto Insurance Miami, Fl

Address: 300 Southwest 107th Avenue #210 Miami, FL 33174

Allstate Insurance Companies - Sales Offices- Tamiami

Address: 9786 SW 8th St Miami, FL 33174
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Sweetwater Barber Shop

Address: 10930 West Flagler Street #306 Miami, FL 33174

Housing Demographics for 33174

Population Review for 33174 Zip Code

For the city of Miami, the population within 33174 has increased to over 30,175 residents in population size. The current population total is 32,962. We have broken down the population based on race below. In 33174, there are over 15169 in male population and 17793 females.

Total Population32,962
White Population8581
Black Population1393
Hispanic Population28413
Asian Population710
Hawaiian Population10
Indian Population66
Other Population5394
Male Population15169
Female Population17793
Population Estimate30175

Household Data for 33174

The average number of homes in 33174 is around 10,364, there are an average of 2.86 per household. The average house value according to local real estate values is around $293,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,364
Persons Per Household2.86
Average House Value$293,500
Income Per Household$51959
Median Age42.0
Median Age Male38.4
Median Age Female45.1
33174 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 Businesses822
Number Of Employees7621
Business First Quarter Payroll116376
Business Annual Payroll365036
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 Residential10551
Delivery Business834
Delivery Total12464
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 Area3.062000
Water Area0.125000
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

  • 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 […]