Homeowners Insurance in Hialeah, Florida

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.  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.

As a licensed, independent insurance agency in South Florida, we want to explain the details of home insurance in this guide to help those who need coverage get the best policy for their needs.

The average cost of homeowners insurance in Hialeah is $4,736 annually, which is higher than the state average in Florida. Due to its location in Miami-Dade County and the number of perils homeowners face in the city, rates tend to be expensive.

Hialeah homeowners face uncertainty from hurricanes and torrential rains from June to November during the state’s hurricane season. South Florida is one of the most hurricane-prone places in the entire country, leading to exponential damage and expensive home insurance claims in the past, which causes insurers to charge high premiums there now to offset the financial risk of future storm damage.

The following table lists average rates from some common home insurance providers in Hialeah.

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. 

You’ll pay more for insurance if you have a large, expensive property. Bigger houses need more coverage because they cost more to rebuild in case of damage. Your coverage amounts correlate with your home’s replacement cost, which is the cost to construct the house based on labor and building expenses. Larger houses have greater replacement costs and typically higher premiums.

Wind mitigation is also crucial in South Florida and could go a long way to lowering premiums. Wind mitigation involves fitting your house with certain elements to make it withstand windstorm damage better. 

A house with effective wind mitigation has a smaller chance of suffering damage during a hurricane, which is good for any insurance company. Carriers are legally required to reduce premiums for policyholders who pass a wind mitigation inspection. It can save you thousands yearly.

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.

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 is likely going to be State Farm, although costs vary by circumstances.

Since Clovered is a licensed home insurance agency in Hialeah, we partner with Universal Property & Casualty, Citizens, and People’s Trust, to name a few, so we can provide every Hialeah homeowner with a great policy at an affordable price.

One thing to note about Citizens: it’s a state-run insurance company that only provides coverage to people who qualify. 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. 

You may land a subsidized policy with them, but it may not be the best long-term option. Citizens has become bloated with policyholders because so many people have turned to them recently with the difficulties in the Florida insurance market. Citizens is trying to offload policyholders back to private, traditional carriers.

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.

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, and 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.