How much is home insurance in Hialeah, FL?
The average cost of homeowners insurance in Hialeah varies depending on the coverage level you choose. Homeowners insurance costs $6,107 per year for dwelling coverage of $200,000 and $4,855 for $300,000 of dwelling coverage.
Below are the average annual and monthly Hialeah home insurance rates for different amounts of dwelling coverage.
| Coverage level (Dwelling) | Average annual rate | Average monthly rate |
|---|---|---|
| $200,000 | $6,107 | $509 |
| $300,000 | $4,855 | $405 |
| $400,000 | $6,414 | $535 |
| $600,000 | $14,336 | $1,195 |
| $1,000,000 | $27,487 | $2,291 |
Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.
Cheapest homeowners insurance companies in Hialeah
According to our analysis, Travelers is the most affordable home insurance provider in Hialeah, with an average yearly cost of $1,811.
Price is a big factor when choosing home insurance, and costs in Hialeah can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.
The table below lists the cheapest home insurance companies in Hialeah.
| Company | Average annual cost |
|---|---|
| Travelers | $1,811 |
| Nationwide | $3,636 |
| Security First Insurance | $6,008 |
| HCI Group Inc | $8,619 |
| Amer Integrity Ins Co of FL | $8,672 |
| State Farm | $9,378 |
| Heritage Insurance Holdings | $9,469 |
Homeowners insurance cost in Hialeah by credit rating
Insurance companies in Hialeah can use credit information as one of the factors affecting the cost of your policy.
The average home insurance cost for homeowners with an excellent credit score is $10,867; that’s $1,310 less expensive than the average cost of the same insurance for policyholders with a poor credit score. The table below shows the average annual insurance cost for homeowners with different credit levels.
| Credit score | Average annual cost |
|---|---|
| Excellent | $10,867 |
| Fair | $11,410 |
| Good | $11,148 |
| Poor | $12,177 |
Methodology
Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.
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