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Compare 33182 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Miami just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4,004 neighbors looking to save on their home insurance policy in the local 33182 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 33182. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Miami, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Miami, FL

33182 Home Insurance Average Premiums

Local 33182 homeowners insurance quotes comparison

$1409 /yr.

Shows Zip Code: 33182 lowest rates with discounts applied on average.

For the 33182, 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)
$1409 /yr.
Average Coverage:$1659 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1959 /yr.

What is the average home insurance cost for a home in 33182?

  • • The average homeowners insurance premium paid annually for a home in 33182 is around $1659 per year.

What does it cost on average per month for home insurance in 33182?

  • • Homeowners in 33182 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 33182?

  • • Autoowners in 33182 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 33182.
Review average rates in another zip code:
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33131 homeowners insurance rates
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33165 homeowners insurance rates
33173 homeowners insurance rates

Home Replacement Cost Coverage in 33182

Average Building Cost Per Square Foot in 33182: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33182: 2,212 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33182 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 33182 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 33182 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,212 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$1672,212$369,400
Additional Upgrades & Added Features$2092,212$461,750
Major Home Updates or Advancements$2512,212$554,100

It's important to understand that when you estimate your replacement cost of your home in the 33182 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 33182

Best Home & Auto Insurance Agencies in 33182

Housing Demographics for 33182

Population Review for 33182 Zip Code

For the city of Miami, the population within 33182 has increased to over 13,418 residents in population size. The current population total is 13,310. We have broken down the population based on race below. In 33182, there are over 6251 in male population and 7059 females.

PopulationValues
Total Population13,310
White Population3421
Black Population110
Hispanic Population12181
Asian Population147
Hawaiian Population1
Indian Population17
Other Population1612
Male Population6251
Female Population7059
Population Estimate13418

Household Data for 33182

The average number of homes in 33182 is around 4,004, there are an average of 3.31 per household. The average house value according to local real estate values is around $369,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,004
Persons Per Household3.31
Average House Value$369,400
Income Per Household$81585
Median Age45.4
Median Age Male43.1
Median Age Female47.7
33182 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 Businesses388
Number Of Employees8231
Business First Quarter Payroll144673
Business Annual Payroll514993
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|28
Congressional LandArea2098.66|0
Delivery Residential4054
Delivery Business198
Delivery Total4405
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 Area3.480000
Water Area0.418000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU2858
MFDU0
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 […]