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33185, FL Homeowners Insurance Rates

With a population size of 28,819 and with 8,404 occupied homes in the 33185 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Miami, FL are around $1,601 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that is the best place online to shop for home insurance rates in Miami, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Miami, FL.

For Florida home insurance information, including average Miami home insurance rates, coverage options or the different homeowners insurance types, please select Miami, FL Home Insurance Quotes Now!

33185 Home Insurance Average Premiums

Local 33185 homeowners insurance quotes comparison

$1351 /yr.

Shows Zip Code: 33185 lowest rates with discounts applied on average.

For the 33185, 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)
$1351 /yr.
Average Coverage:$1601 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1901 /yr.

What is the average home insurance cost for a home in 33185?

  • • The average homeowners insurance premium paid annually for a home in 33185 is around $1601 per year.

What does it cost on average per month for home insurance in 33185?

  • • Homeowners in 33185 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33185?

  • • Autoowners in 33185 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 33185.
Review average rates in another zip code:
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33156 homeowners insurance rates
33174 homeowners insurance rates

Home Replacement Cost Coverage in 33185

Average Building Cost Per Square Foot in 33185: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33185: 2,371 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33185 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 33185 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 33185 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,371 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$1672,371$396,000
Additional Upgrades & Added Features$2092,371$495,000
Major Home Updates or Advancements$2512,371$594,000

It's important to understand that when you estimate your replacement cost of your home in the 33185 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 33185

Best Home & Auto Insurance Agencies in 33185

Chavez, Juan Agent - Jch Insurance

Address: 14850 Southwest 26th Street #106 Miami, FL 33185

Allstate Insurance - Rolando Lopez

Address: 2635 SW 147th Ave Miami, FL 33185


Address: 14772 Southwest 56th Street Miami, FL 33185

Allstate Insurance - Caridad Chavez

Address: 4214 SW 152nd Ave Miami, FL 33185

Matthew C Wessel Ins Agency Inc - State Farm Insurance Agent

Address: 14653 Southwest 42nd Street Miami, FL 33185

Housing Demographics for 33185

Population Review for 33185 Zip Code

For the city of Miami, the population within 33185 has increased to over 29,429 residents in population size. The current population total is 28,819. We have broken down the population based on race below. In 33185, there are over 13619 in male population and 15200 females.

Total Population28,819
White Population8280
Black Population367
Hispanic Population25585
Asian Population601
Hawaiian Population10
Indian Population68
Other Population3072
Male Population13619
Female Population15200
Population Estimate29429

Household Data for 33185

The average number of homes in 33185 is around 8,404, there are an average of 3.42 per household. The average house value according to local real estate values is around $396,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,404
Persons Per Household3.42
Average House Value$396,000
Income Per Household$93002
Median Age42.2
Median Age Male40.3
Median Age Female43.5
33185 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 Businesses632
Number Of Employees2584
Business First Quarter Payroll19954
Business Annual Payroll87970
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 Residential8605
Delivery Business247
Delivery Total9932
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 Area6.894000
Water Area0.215000
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 […]