Hialeah, FL Homeowners Insurance
Learn more about how to find affordable homeowners insurance in Hialeah.
Learn more about 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 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.
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.
| Company | Average Annual Rate |
| Security First | $830 |
| State Farm | $1,528 |
| Allstate | $2,254 |
| American Integrity | $4,332 |
| Peoples Trust | $5,728 |
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.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $1,967 |
| $200K Dwelling | $3,997 |
| $250K Dwelling | $4,271 |
| $400K Dwelling | $6,791 |
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.
| 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.
| ZIP Code | Average Annual Home Insurance Rate |
| 33015 | $5,947 |
| 33018 | $5,920 |
| 33012 | $5,901 |
Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Florida cities:
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.
| 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 |
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%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| USAA | $1,271 |
| GEICO | $2,317 |
| State Farm | $2,791 |
| Allstate | $3,561 |
| Progressive | $3,828 |
It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
