Hialeah Homeowners Insurance

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As the sixth-largest city in Florida with more than 220,000 residents, Hialeah marches to the beat of its own drum. From the Garden of the Arts to the iconic Hialeah Park, Cuban history runs deep throughout the city.

Many homeowners are moving to Hialeah due to more affordable housing prices and a sense of community. The city has been a haven for Cuba-Americans since the mid-1900s and has since skyrocketed to the most populous city in American for Cuban-Americans.

But while people are constantly moving into the city and buying up houses, one thing on their mind should be to protect their property with homeowners insurance in Hialeah.

Average Cost of Homeowners Insurance in Hialeah

Due to its location in Miami-Dade County and the number of perils homeowners face in the city, the average cost of homeowners insurance in Hialeah is $6,597 per year for a $150,000 house, $11,421 for a $300,000 house and $15,280 for a $450,00 house. All of those rates are more than double or triple the state’s annual average.

Hialeah homeowners face uncertainty from hurricanes, tornadoes and torrential rains and hail from June to November during the state’s hurricane season. Average costs are also affected because South Florida is one of the most hurricane-prone places in the entire country, leading to exponential damage and expensive home insurance claims.

Average Cost of Homeowners Insurance in Hialeah for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 House

$7,096
$4,352
$7,117
$8,394
$4,288
$10,369
$5,080
$7,444
$6,597

$300,000 House

$12,453
$7,641
$12,494
$14,729
$7,528
$18,185
$8,916
$13,056
$11,421

$450,000 House

$17,249
$10,521
$17,235
$20,409
$10,358
$25,342
$12,315
$18,180
$15,280

It’s Time to Switch Your Homeowners Insurance

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.

Florida Office of Insurance Regulation Premium Consideration Factors

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the 2022 rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year.

Pre-2001 Construction w/ Wind Mitigation

This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

Pre-2001 Construction w/ No Wind Mitigation

This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

2001-Present Construction

This risk is for a Florida masonry home with a current replacement value of $300,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation

A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Although the prices above reflect an inflated cost of homeowners insurance, those numbers don’t truly tell the whole story. There are a few other important factors that contribute to the cost of home insurance in Hialeah, including the year your home was built and whether or not you’ve taken proper steps to mitigate wind damage. Let’s take a deeper dive into the separate prices for $150,000 homes.

$150,000 House in Hialeah for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$10,367
$6,094
$10,492
$12,501
$6,008
$19,585
$7,057
$13,465
$10,453

Pre-2001 w/ Wind

$5,795
$3,222
$5,039
$6,678
$3,083
$5,473
$4,170
$4,391
$4,834

2001-Present

$5,127
$3,740
$5,821
$6,002
$3,772
$6,048
$4,013
$4,475
$4,504

As you can see from the numbers, those Hialeah homeowners with homes built from 2001 to the present day pay an average of $4,504 per year — a deep discount from the $10,453 per year those homeowners with homes built before 2001 and who haven’t taken steps to mitigate wind damage.

The price you pay for Hialeah home insurance is also greatly affected by the company you choose. Citizens is the most affordable across the board, but it’s a state-run insurance company that only provides coverage to a small subset of people who qualify for it.

To qualify, you may have had trouble getting home insurance from another company in the past, you’ve filed many home insurance claims or your home must be under a certain value. In certain cases, the trifecta of issues may land you a policy — but it may not be the best one.

Another factor that determines the price you pay is the value of your house. Housing costs keep going up, especially in Miami-Dade County. So it’s pretty tough to find a $150,000 house in Hialeah these days. Let’s take a deeper dive into the average cost of homeowners in Hialeah for a $300,000 house and a $450,000 house.

$300,000 House in Hialeah for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$18,142
$10,665
$18,361
$21,877
$10,514
$34,274
$12,350
$23,564
$18,043

Pre-2001 w/ Wind

$10,141
$5,639
$8,818
$11,687
$5,395
$9,578
$7,298
$7,684
$8,384

2001-Present

$9,074
$6,619
$10,303
$10,623
$6,676
$10,704
$7,102
$7,921
$7,838

$450,000 House in Hialeah for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$25,918
$15,235
$26,230
$31,253
$15,020
$48,963
$17,643
$33,663
$24,336

Pre-2001 w/ Wind

$14,488
$8,055
$12,598
$16,695
$7,708
$13,683
$10,425
$10,978
$11,943

2001-Present

$11,343
$8,274
$12,879
$13,279
$8,345
$13,380
$8,878
$9,901
$9,635

It’s Time to Switch Your Homeowners Insurance

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.

What Does Home Insurance in Hialeah Cover?

Like everywhere else in the state, home insurance in Hialeah covers your house, personal property and financial wellbeing from a number of perils that include hurricanes, fires, burglary, tornadoes, dog bites and water damage. While rare in South Florida, your homeowners insurance may also provide some sort of coverage for sinkholes, but certain factors must be met.

From personal belongings to the structure of your home and so much more, let’s take a look at the coverage types you get with a homeowners policy and a few examples of what’s covered.

Dwelling Coverage

Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures Coverage

Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property Coverage

Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use Coverage

Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Medical Payments Coverage

Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

Home Insurance Companies in Hialeah

If you’ve had a wind mitigation on your pre-2001 house or if your home was built from 2001 to the present day, your cheapest options for homeowners insurance are likely going to be Liberty Mutual, Universal Property & Casualty Insurance Company and Citizens, which each offer policies around $4,000 per year for a $150,000 house.

However, since Clovered is a licensed home insurance agency in Hialeah, we partner with those companies and also FedNat, Florida Penn, People’s Trust to name a few so we can provide every Hialeah homeowner with a great policy at an affordable price.

Depending on which company you choose, in relation to its claims in South Florida and its risk portfolio, you could pay anywhere from $3,222 to $19,585 per year for home insurance in Hialeah, Florida on a $150,000 house.

Obviously, nobody would ever want to pay the latter figure for home insurance. That’s why we partnered with Hialeah’s top home insurance companies and developed an easy-to-use online quoting tool so you can get the best quotes in your own time.

The Best Home Insurance Agency in Hialeah

As a licensed home insurance agency in Hialeah, Florida, Clovered gets the best rates from the best home insurance companies so we can provide you with an affordable policy that has everything you need and nothing you don’t.

How to Get a Home Insurance Quote in Hialeah, Florida

The best way to get cheap homeowners insurance in Hialeah, Florida is by getting a quote through our online quoting tool. We partner with the top home insurance companies in the county like Universal Property & Casualty Insurance Company, Citizens, FedNat, Florida Penn, People’s Trust to name a few to provide you with the best coverage at the best price.

Simply answer a few questions about your home in our online quoting tool and we’ll pair you with a policy that’s customized just for you. If you have any questions, you can also reach our licensed agents by calling 833-255-4117 from 8:30 a.m. to 6 p.m Monday through Friday or emailing agent@clovered.com anytime.

Homeowners
It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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