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33184, FL Home Insurance

In the zip code of 33184, the population size is around 20,913, which consists of 6,737 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Miami, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,637 per year for a standard homeowners policy. At, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 33184 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Miami. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-888-685-4704 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Miami, FL Homeowners Insurance Online Rates Today!

33184 Home Insurance Average Premiums

Local 33184 homeowners insurance quotes comparison

$1387 /yr.

Shows Zip Code: 33184 lowest rates with discounts applied on average.

For the 33184, 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)
$1387 /yr.
Average Coverage:$1637 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1937 /yr.

What is the average home insurance cost for a home in 33184?

  • • The average homeowners insurance premium paid annually for a home in 33184 is around $1637 per year.

What does it cost on average per month for home insurance in 33184?

  • • Homeowners in 33184 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 33184?

  • • Autoowners in 33184 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 33184.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33184

Average Building Cost Per Square Foot in 33184: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33184: 1,819 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33184 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 33184 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 33184 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,819 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$1671,819$303,700
Additional Upgrades & Added Features$2091,819$379,625
Major Home Updates or Advancements$2511,819$455,550

It's important to understand that when you estimate your replacement cost of your home in the 33184 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 33184

A & M Insurance Consultants Inc

Address: 925 Southwest 122nd Avenue Miami, FL 33184
Phone: (305)485-1113

Best Home & Auto Insurance Agencies in 33184

All Motors State Insurance

Address: 11934 SW 8th St Miami, FL 33184

A & M Insurancensultants

Address: 925 Southwest 122nd Avenue Miami, FL 33184

A & D Insurance Agency

Address: 937 SW 122nd Ave Miami, FL 33184

Solid Insurance Group

Address: 13944 Southwest 8th Street Miami, FL 33184

Allstate Insurance Companies - Sales Offices- Miami

Address: 13788 SW 8th St Miami, FL 33184
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 33184

Population Review for 33184 Zip Code

For the city of Miami, the population within 33184 has increased to over 20,255 residents in population size. The current population total is 20,913. We have broken down the population based on race below. In 33184, there are over 9942 in male population and 10971 females.

Total Population20,913
White Population5643
Black Population138
Hispanic Population19433
Asian Population141
Hawaiian Population3
Indian Population33
Other Population2105
Male Population9942
Female Population10971
Population Estimate20255

Household Data for 33184

The average number of homes in 33184 is around 6,737, there are an average of 3.10 per household. The average house value according to local real estate values is around $303,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,737
Persons Per Household3.10
Average House Value$303,700
Income Per Household$65536
Median Age47.3
Median Age Male44.9
Median Age Female49.4
33184 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 Businesses528
Number Of Employees3293
Business First Quarter Payroll25765
Business Annual Payroll111606
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 District28
Congressional LandArea0
Delivery Residential6534
Delivery Business493
Delivery Total10308
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 Area2.474000
Water Area0.160000
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 […]