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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 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

Jose Antonio Alvarez - Allstate Agent

Address: 14331 Southwest 120th Street #201 Miami, FL 33186

Allstate Insurance Company - Deborah Marcus

Address: 13802 Southwest 88th Street Miami, FL 33186

Allstate Insurance Company - Ramses Rivero

Address: 12496 Southwest 127th Avenue Miami, FL 33186

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

Address: 12600 Southwest 120th Street #108 Miami, FL 33186


Address: 14663 Southwest 104th Street Miami, FL 33186

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.

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
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 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
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
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 […]