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How to find affordable homeowners insurance in Hialeah

Homeowners insurance is a critical element of homeownership. Along with your personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. With the relative frequency of such events -- along with the high cost of rebuilding or repairing a home -- getting homeowners coverage is a wise investment. The average homeowners policy costs $492 per month in Hialeah, Florida.  This is more than four times the national monthly cost of home insurance.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more information about what your homeowners insurance policy covers.

Finding cheap home insurance in Hialeah starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Hialeah to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Hialeah home insurance by company

Hialeah homeowners insurance rates will vary depending on which insurance company you choose. Security First offers the most affordable home insurance in Hialeah, at just $830 per year. This compares favorably to the city’s average homeowners premium of $5,902.

Take a look at the cheapest insurance companies in Hialeah, Florida to find the right home policy for you. You can also view our guide to the top home insurance carriers based in part on the results of The Zebra's Customer Satisfaction Survey.

 
AFFORDABLE HOME INSURERS IN HIALEAH
Company Average Annual Rate
Security First $830
State Farm $1,528
Allstate $2,254
American Integrity $4,332
Peoples Trust $5,728
 

Hialeah homeowners insurance prices by coverage level

The level of home coverage you select has an impact on your insurance rates. Homeowners in Hialeah who carry $200K in dwelling coverage pay an average of $3,997 per year, while those with coverage up to $400K pay around $6,791 per year.

 
POPULAR COVERAGE LIMITS IN HIALEAH
Coverage Level Average Annual Rate
$100K Dwelling $1,967
$200K Dwelling $3,997
$250K Dwelling $4,271
$400K Dwelling $6,791
 

Hialeah home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what part of Hialeah in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically affect your home insurance premium.

To find the most affordable home insurance rates in Hialeah, look no further than 33010. In the 33010 area, homeowners coverage usually costs just $5,888 per year — a full $15 less than the Hialeah average. If you’re looking for the areas with the most affordable homeowners insurance in Hialeah, have a look at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN HIALEAH
ZIP Code Average Annual Home Insurance Rate
33010 $5,888
33014 $5,889
33013 $5,891

Other areas of Hialeah, however, face homeowners rates that surpass the city average . These areas of the city could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $5,947 makes 33015 the most expensive ZIP code in Hialeah for home insurance.

 
EXPENSIVE HOME INSURANCE AREAS IN HIALEAH
ZIP Code Average Annual Home Insurance Rate
33015 $5,947
33018 $5,920
33012 $5,901

 

 

Hialeah homeowners insurance deductibles

One of the decisions available when shopping for a homeowners policy is how high or low to set your deductible. A deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible chosen can impact your insurance rates directly.

On the whole, choosing a lower deductible means that your insurance rates will be higher. As such, if you want your insurance rates to remain low, aim for a higher deductible. Be mindful of the fact that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.

Below are some common deductibles offered by most home insurance companies along with corresponding average insurance costs.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN HIALEAH
Deductible Level Average Annual Home Insurance Rate
$500 $4,609
$1,000 $4,271
$1,500 $4,235
$2,000 $3,749
$5,000 $3,626
 

Home and auto insurance bundling in Hialeah

One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Hialeah could, in fact, lead to average annual savings of 7%.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN HIALEAH
Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $1,271
GEICO $2,317
State Farm $2,791
Allstate $3,561
Progressive $3,828

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.