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33178 Homeowners Insurance Quotes & Rates

Miami residents living within the 20,257 homes available in the zip code of 33178 are shopping online to compare cheaper and more affordable Miami, FL home insurance rates. In the great city of Miami, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,675 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 33178 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 33178 home insurance rates today! Please give us a call now at 1-888-685-4704. For Miami, FL Homeowners Insurance Quotes, Click to easily get started!

33178 Home Insurance Average Premiums

Local 33178 homeowners insurance quotes comparison

$1425 /yr.

Shows Zip Code: 33178 lowest rates with discounts applied on average.

For the 33178, 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)
$1425 /yr.
Average Coverage:$1675 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1975 /yr.

What is the average home insurance cost for a home in 33178?

  • • The average homeowners insurance premium paid annually for a home in 33178 is around $1675 per year.

What does it cost on average per month for home insurance in 33178?

  • • Homeowners in 33178 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 33178?

  • • Autoowners in 33178 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 33178.
Review average rates in another zip code:
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33158 homeowners insurance rates
33143 homeowners insurance rates
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33182 homeowners insurance rates
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33173 homeowners insurance rates
33138 homeowners insurance rates
33145 homeowners insurance rates
33134 homeowners insurance rates

Home Replacement Cost Coverage in 33178

Average Building Cost Per Square Foot in 33178: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33178: 2,482 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33178 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 33178 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 33178 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,482 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$1672,482$414,500
Additional Upgrades & Added Features$2092,482$518,125
Major Home Updates or Advancements$2512,482$621,750

It's important to understand that when you estimate your replacement cost of your home in the 33178 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 33178

Best Home & Auto Insurance Agencies in 33178

Allstate Insurance Companies

Address: 3655 NW 107th Ave Doral, FL 33178
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance-Marilu Diaz

Address: 10733 NW 58th St Miami, FL 33178
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Estrella Insurance Incorporated

Address: 9561 Northwest 41st Street Miami, FL 33178
Phone:
Website: http://www.estrellainsurance.com/
Info:

Allstate Insurance Company - Ana Roman

Address: 10720 Northwest 74th Street Miami, FL 33178
Phone:
Website: http://www.allstateagencies.com/021400?cid=OTC-YP.com-IYP&att=TL
Info:

Gonzalez, Luis G - State Farm Insurance Agent

Address: 10828 Northwest 58th Street Doral, FL 33178
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=596759
Info:

Housing Demographics for 33178

Population Review for 33178 Zip Code

For the city of Miami, the population within 33178 has increased to over 73,094 residents in population size. The current population total is 65,487. We have broken down the population based on race below. In 33178, there are over 32178 in male population and 33309 females.

PopulationValues
Total Population65,487
White Population17768
Black Population1789
Hispanic Population53186
Asian Population1852
Hawaiian Population12
Indian Population160
Other Population9633
Male Population32178
Female Population33309
Population Estimate73094

Household Data for 33178

The average number of homes in 33178 is around 20,257, there are an average of 3.13 per household. The average house value according to local real estate values is around $414,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,257
Persons Per Household3.13
Average House Value$414,500
Income Per Household$79532
Median Age37.2
Median Age Male36.2
Median Age Female38.0
33178 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
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 Businesses2925
Number Of Employees36368
Business First Quarter Payroll616455
Business Annual Payroll2443034
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 District26
Congressional LandArea2098.66
Delivery Residential23353
Delivery Business2617
Delivery Total26245
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 Area61.093000
Water Area8.629000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU2697
MFDU6010
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 […]