Hialeah, FL Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Hialeah.

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Find affordable homeowners insurance in Hialeah

 

Among the most important aspects of owning a home is homeowners insurance. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a great move.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Find out more info about what your homeowners insurance policy covers.

Finding cheap home insurance in Hialeah starts with shopping around and comparing policies. Check out the below summary of average home insurance premiums in Hialeah to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

 
Hialeah, Florida, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible level
  5. Insurance bundle discounts

 

Homeowners insurance in Hialeah by insurance company

What you pay for homeowners insurance in Hialeah will depend on the insurance company you get your policy through. The most inexpensive home insurance in Hialeah comes from Security First, which offers average annual rates of just $830 per year. This is more favorable than the city’s average homeowners premium of $5,902.

Have a look at the cheapest insurance companies in Hialeah, Florida to find the best home policy for you.

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

 

Average home insurance costs in Hialeah by coverage levels

The level of homeowners coverage you select has an impact on your insurance rates. In Hialeah, carrying $200K dwelling coverage costs an average of $3,997, while carrying additional coverage up to $400K costs $6,791/year.

 
HOMEOWNERS INSURANCE RATES IN HIALEAH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,967
$200K Dwelling$3,997
$250K Dwelling$4,271
$400K Dwelling$6,791

 

Hialeah home insurance prices by ZIP code

Depending on the part of Hialeah you live in, you might see vastly different home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the most affordable homeowners coverage in Hialeah, take a look at the 33010 ZIP code. In the 33010 area, homeowners policies typically cost just $5,888 per year, which is a full $15 less than the Hialeah average. If you’re looking for the areas with the most affordable homeowners insurance rates in Hialeah, have a look at the table below.

 
AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN HIALEAH
ZIP CodeAverage Annual Home Insurance Rate
33010$5,888
33014$5,889
33013$5,891

Some parts of Hialeah, however, are prone to homeowners insurance premiums that are higher on average. These areas of the city could be more prone 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 AREAS FOR HOMEOWNERS INSURANCE IN HIALEAH
ZIP CodeAverage Annual Home Insurance Rate
33015$5,947
33018$5,920
33012$5,901

 

Homeowners insurance deductibles in Hialeah

One of the many decisions to be made when shopping for a homeowners policy is how high or low to set your deductible. A deductible is an amount for which a homeowner is responsible before the insurer will cover a claim. Where you set your deductible can be a major factor in the cost of your insurance coverage.

In short, having a higher deductible translates to lower insurance premiums. Therefore, consider a higher deductible if you aim to pay lower insurance rates. It's worth calling out that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The table below reveals the typical premium costs affiliated with deductibles offered by most home insurers.

 
HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE IN HIALEAH
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$4,609
$1,000$4,271
$1,500$4,235
$2,000$3,749
$5,000$3,626

 

Money-saving tip: bundle home and auto insurance in Hialeah

You might want to consider purchasing your auto and homeowners policies through the same company if you are looking to save on overall insurance costs. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Hialeah homeowners could see annual savings of 7% on average.

 
CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN HIALEAH
CompanyAvg. 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.

 

Get home insurance quotes today!

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.