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:
- Rates by insurer
- Rates by coverage amount
- Rates by ZIP code
- Rates by deductible amount
- 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 |