Top 5 Home Insurance Companies in Miami-Dade County, FL
Check out the most popular Home Insurance agencies & companies in Miami-Dade County, FL & compare the best quotes from them.
Average Cost of Home Insurance in Miami Dade County, FL
The average cost of homeowners insurance in Miami Dade County is $1364.175. Homeowners insurance is a policy that can help protect your home and belongings. The cost of home insurance depends on factors like the value of your home, location of the house, perceived risk level in your area, and many more.
Homeowners looking for cheaper home insurance in Miami Dade County can initiate shopping around and compare what different companies offer. Start understanding your coverage and your requirements, as it helps to get the right price on homeowners insurance.
Factors influencing cost of insurance:
1. Insurance rates based on the coverage level
2. Insurance rates offered by companies
3. Insurance rates based on claims history
4. Insurance rates based on deductibles
Homeowners Insurance in Miami Dade County by Coverage Level
Coverage essentially refers to the package that an insurance company offers. These coverages cover loss or damage to the house and anything inside of it due to events like fire, storm damage, mold damage, floods, or even vandalism.
For example, homeowners paying a coverage of $100K can avail of home insurance in Miami-Dade County for $659. Generally, homeowners opt for coverage of $300K to $500K where they have to pay a premium of $2301 and $3590, respectively, on home insurance in Miami-Dade County.
Homeowners Insurance Miami Dade County Florida by Company
Homeowners shopping for homeowners insurance in Miami Dade County, Florida, should consider a few aspects before taking a home insurance policy, including the cost of insurance, coverage, availability, policy offerings, discounts, customer satisfaction, complaint index, and financial strength claims-paying ability.
Homeowners Insurance in Miami Dade County based on Number of Claims
When you apply for insurance, whether for a car or your home, the application will collect information about your claims history. Claims history is a record of a person’s use of insurance and includes the details of each claim, including the number of times the homeowner has filed the claim. A person who is considered higher risk because they have made numerous claims may pay more for insurance than someone with the same coverage but a better claims history. Therefore, insurance providers offer exclusive discounts with zero claims.
A policyholder with one or two claims pays a higher premium. For instance, homeowners in Miami Dade County with zero claims pay $1201. In contrast, homeowners with one or two claims pay $1433 and $1528 on homeowners insurance in Miami Dade County.
Homeowners Insurance in Miami Dade County based on Deductibles
Budget-focused homeowners can consider increasing their deductible. This will lead to lowered home insurance premiums as the insurer also bears part of the risk. A deductible is the amount of money that needs to be paid before your insurance policy will start paying for certain losses. If you choose a high deductible, you pay less in premium.
For instance, homeowners in Miami Dade County who have opted for deductible of 500 pay $ 1348, whereas who opted for a high deductible of 2500 pay $ 980 on homeowners insurance in Miami Dade County, Florida.
Top Home Insurance Companies in Miami-Dade County, FL
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Nationwide | A+ | 8.2% |
| Erie | A+ | 7.02% |
| Allstate | A+ | 4.9% |
| Farm Bureau | A+ | 4.04% |
| Liberty Mutual | A | 3.2% |
Top Erie Home Insurance Agents in Miami-Dade County, FL
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Wilson Insurance Management | 9690 W Sample Rd Suite 201 33065 |
(954) 715-7565 | |
| Bray & Oakley Insurance Agency Inc | 2874 N State Road 7 www.brayandoakley.com 33313-1910 |
954-486-7474 | |
| Lyndall Associates Inc. | 5860 FLAMINGO RD 33330 |
888-254-5014 | |
| E & M Risk Management Agency Llc | 2877 S University Dr 33328 |
(954) 370-1500 | |
| Granados Insurance & Financial Services | 320 Sevilla Ave Ste 202 33134 |
(305) 444-7575 | |
| Stubbs Insurance Associates | 8333 Nw 53Rd St Ste 600 33168 |
||
| Stahlka Agency Inc. | 15190 Sw 136Th St Suite 21 www.stahlkaagency.com 33196 |
(786) 532-1870 | |
| Harless Insurance Agency Llc | 18450 Pines Blvd Ste 104 33029 |
(305) 829-1770 | |
| Hadley Insurance Inc | 3464 Red Rd www.hadleyinsuranceinc.com 33025 |
(954) 391-5859 | |
| Bass Insurance Services Inc. | 7400 Wiles Rd Ste 104 www.bassinsuranceservices.com 33067-2055 |
954-753-4477 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Derek Cassell | 821 N Nob Hill Rd 33324 |
(954) 382-5364 | |
| Andrew Hartman Lutcf | 1881 NE 26th St Ste 20 33305-1425 |
954-566-2216 | |
| Elizabeth Mateo Lutcf | 790 E Broward Blvd Ste 301 33301 |
(954) 525-5552 | |
| Arianny Peralta | 8201 Peters Rd Ste 1000 33324-3266 |
954-430-3651 | |
| Lorraine Khan | 1001 W CYPRESS CREEK RD #409 33309 |
954-351-2250 | |
| Thomas Smith | 2400 E Commercial Blvd Ste 423 Ft.\u00a0Lauderdale 33308 |
||
| James Curtin | 2225 N COMMERCE PKWAY STE 2 33326 |
954-389-8450 | |
| James Chandler | 1560 SAWGRASS CORP PKWY STE 300 33345 |
954-838-3400 | |
| William Rossiter | 60 Sw 15 St Pompano\u00a0Beach 33060 |
||
| Shirley Moore-Tipi Cisr Lutcf | 10930 W Flagler St #308 33174 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Watts Ins Agency | 1535 N Park Dr Ste 102 33326 |
||
| James Cunningham | 7797 N UNIVERSITY DR STE 204 33321 |
954-721-1180 | |
| James Carney | 10167 W SUNRISE BLVD 3RD FL 33322 |
954-452-4900 | |
| Thomas Gordy | 3250 N 29 Ave 33020 |
||
| Mike Everett Ins | 365 Palermo Ave 33134 |
(305) 445-3535 | |
| Brian Mcquoid | 6704 SW 80th St 33143-4525 |
305-661-4213 | |
| Christopher Gardner | 2350 SW 27th Ave Ste 104 33145-3682 |
305-858-5553 | |
| Hub Int. Sw Agency | 4770 BISCAYNE BLVD 33137 |
800-597-2221 | |
| Ito P & C Inc | 6300 NW 5TH WAY STE 100 33309 |
954-281-7070 | |
| Alexander Alicea | 2206 N Flamingo Rd 33028-3502 |
954-437-4142 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Scott Payne | 2200 N Commerce Pkwy 32241 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| The Getzoni Agency Inc | 9010 Sw 137 Ave, Ste 208 33186 |
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| Brian L Schoonveld | 201 N University Dr Ste 105 33324-2039 |
954-587-1448 | |
| Michael J Eremita | 13631 Biscayne Boulevard 33181 |
(305) 914-9220 | |
| David M. Crawford | 18980 NW 2nd Ave 33169 |
(305) 654-8889 | |
| Loscalzo Enterprises Ltd | 100 N STATE RD 7 UNIT 304 33063 |
954-777-0027 | |
| The Orrino Agency Inc. | 14821 South Dixie Highway 33176 |
(561) 571-3211 | |
| The Clark Group Insurance Inc | 12555 Orange Dr Ste 105 33330 |
||
| Bagatta Assoc Inc | 10651 N Kendall Dr Ste 111 33176-1573 |
305-598-5821 | |
| Steve Ward Vasseur Agency | 4120 Davie Road Ext Ste 304 33024 |
||
| Aaron L Landis Clu Chfc | 9633 W Broward Blvd Ste 11 33324-2332 |
954-370-8100 |
| Kentucky Farm Bureau | Nationwide | Erie | |
| Median Home Value ($) | 248,520 | 258,520 | 258,520 |
| Construction year | 1989 | 2009 | 1994 |
| Home Coverage ($) | $125000-$150000 | $125000-$150000 | $175000-$200000 |
| Total Premium ($) | $1680 | $2155 | $2469 |
Miami-Dade County, FL Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 18% |
| Liberty Mutual | upto 15% |
| Allstate | upto 19% |
| Nationwide | upto 7% |