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Homeowners Insurance coverage in 33186

If you are a homeowner in 33186 or Miami, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Miami.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 33186.

Learn more about our homeowners insurance shopping service by selecting the best Miami, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 33186?

Residents of Miami have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 33186 zipcode, expect to pay around $1669 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Miami does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

33186 Home Insurance Average Premiums

Local 33186 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 33186 lowest rates with discounts applied on average.

For the 33186, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 33186?

  • • The average homeowners insurance premium paid annually for a home in 33186 is around $1669 per year.

What does it cost on average per month for home insurance in 33186?

  • • Homeowners in 33186 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 33186?

  • • Autoowners in 33186 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 33186.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33186

Average Building Cost Per Square Foot in 33186: $167

Location: Miami, Florida (Miami-dade County)

Average Square Footage in 33186: 2,023 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33186 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 33186 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 33186 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,023 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$1672,023$337,800
Additional Upgrades & Added Features$2092,023$422,250
Major Home Updates or Advancements$2512,023$506,700

It's important to understand that when you estimate your replacement cost of your home in the 33186 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 33186

Best Home & Auto Insurance Agencies in 33186

Bernie, Carr Miami - State Farm Insurance Auto Car Life 33186 33176

Address: 12600 Southwest 120th Street #108 Miami, FL 33186
Phone:
Website: http://www.berniecarr.com/
Info:

Allstate Insurance Company - Ramses Rivero

Address: 12496 Southwest 127th Avenue Miami, FL 33186
Phone:
Website: http://www.allstateagencies.com/050251?cid=OTC-YP.com-IYP&att=TL
Info:

Mejia, Melva - Tamiami Insurance & Svc Incorporated

Address: 13205 Southwest 137th Avenue #111 Miami, FL 33186
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 13155 SW 134th St Miami, FL 33186
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance Company - Deborah Marcus

Address: 13802 Southwest 88th Street Miami, FL 33186
Phone:
Website: http://www.allstateagencies.com/065042?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 33186

Population Review for 33186 Zip Code

For the city of Miami, the population within 33186 has increased to over 70,959 residents in population size. The current population total is 69,866. We have broken down the population based on race below. In 33186, there are over 32518 in male population and 37348 females.

PopulationValues
Total Population69,866
White Population21816
Black Population3201
Hispanic Population53723
Asian Population2058
Hawaiian Population24
Indian Population141
Other Population7538
Male Population32518
Female Population37348
Population Estimate70959

Household Data for 33186

The average number of homes in 33186 is around 24,589, there are an average of 2.83 per household. The average house value according to local real estate values is around $337,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode24,589
Persons Per Household2.83
Average House Value$337,800
Income Per Household$75699
Median Age41.9
Median Age Male39.1
Median Age Female44.5
33186 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 Businesses3103
Number Of Employees26353
Business First Quarter Payroll264967
Business Annual Payroll1159781
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 Residential25074
Delivery Business4550
Delivery Total28133
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 Area12.443000
Water Area0.900000
City Alias Code
City Mixed CaseMiami
City Alias Mixed CaseMiami
Box Count0
SFDU11833
MFDU5180
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]