33154 Home Insurance Rates, Costs & Coverage
Homeowners in 33154 are currently seeing average annual home insurance premiums around $3866 per year for a standard HO-3 homeowners policy. In my experience working with families throughout Miami-dade County, rates can vary significantly depending on the home's age, construction type, roof condition, wind mitigation features, and overall replacement cost.
For example, homes around 1,800 square feet or smaller may see premiums closer to $3677/year, particularly if they have updated roofs, hurricane shutters, and newer building materials. On the other hand, larger homes - or properties with custom finishes, waterfront exposure, or high-end upgrades — often fall into higher premium ranges, sometimes reaching $5066/year or more. The reason is simple: in Florida, insurance is based heavily on the cost to rebuild your home after a major hurricane, fire, or severe storm — not just the market value.
Here in Miami Beach, Florida, we also have unique risk factors that directly impact rates, including hurricane exposure, reinsurance costs, litigation trends, and recent carrier changes within the state. That's why two similar homes in the same zip code can have very different premiums.
At FloridaHomeInsurance.com, we don't just provide quotes — we provide guidance. As a Florida-focused agency, we understand the challenges homeowners face in today's market, especially with recent rate increases and carrier restrictions. Whether you're shopping because of a renewal increase, buying a new home, or simply want to make sure you're not overpaying, we're here to help.
We represent over 30 Florida-authorized insurance carriers and compare multiple options for you — not just price, but coverage quality, deductible structure, hurricane protection, and financial stability of the company. Our goal is to help you secure the right protection for your home and family without sacrificing coverage just to save a few dollars.
If you live in 33154, we can help you review your options and potentially lower your premium while maintaining strong protection. Simply enter your zip code or click "Get a Quote" to begin comparing Florida homeowners insurance quotes today. You can always give us a call for fast over the phone quoting services!
Call Now For Miami-dade County, FL Home Insurance Rate Quotes: Call - 1-877-480-7274!
33154 Home Details & Demographics
Within the city limits of Miami Beach, Florida, the average population size is around 14792 for people living in zip code 33154. There are currently around 6389 occupied homes in this zip code. The real estate market in this area has increased like most areas of Florida, the average price per home in 33154 is around $760400.
Compare Average Rates By Zip Code in Miami-dade, FL
| Zip Code | Average Home Insurance Rates | Average Monthly Premium | National Average Comparison |
|---|---|---|---|
| 33010 | $ 4829/yr. | $402 | + $3039 |
| 33012 | $ 4817/yr. | $401 | + $3027 |
| 33013 | $ 4886/yr. | $407 | + $3096 |
| 33014 | $ 4700/yr. | $392 | + $2910 |
| 33015 | $ 4446/yr. | $371 | + $2656 |
| 33016 | $ 4592/yr. | $383 | + $2802 |
| 33018 | $ 4577/yr. | $381 | + $2787 |
| 33032 | $ 4110/yr. | $343 | + $2320 |
| 33033 | $ 4062/yr. | $339 | + $2272 |
| 33034 | $ 4000/yr. | $333 | + $2210 |
| 33035 | $ 4014/yr. | $335 | + $2224 |
| 33054 | $ 4545/yr. | $379 | + $2755 |
| 33055 | $ 4340/yr. | $362 | + $2550 |
| 33056 | $ 4479/yr. | $373 | + $2689 |
| 33125 | $ 3474/yr. | $290 | + $1684 |
| 33126 | $ 3937/yr. | $328 | + $2147 |
| 33127 | $ 3530/yr. | $294 | + $1740 |
| 33130 | $ 3451/yr. | $288 | + $1661 |
| 33132 | $ 3508/yr. | $292 | + $1718 |
| 33134 | $ 3746/yr. | $312 | + $1956 |
| 33135 | $ 3469/yr. | $289 | + $1679 |
| 33136 | $ 3488/yr. | $291 | + $1698 |
| 33137 | $ 3513/yr. | $293 | + $1723 |
| 33138 | $ 3547/yr. | $296 | + $1757 |
| 33139 | $ 3532/yr. | $294 | + $1742 |
| 33140 | $ 3606/yr. | $301 | + $1816 |
| 33141 | $ 3731/yr. | $311 | + $1941 |
| 33142 | $ 3856/yr. | $321 | + $2066 |
| 33143 | $ 4022/yr. | $335 | + $2232 |
| 33147 | $ 4139/yr. | $345 | + $2349 |
| 33149 | $ 3574/yr. | $298 | + $1784 |
| 33150 | $ 3833/yr. | $319 | + $2043 |
| 33154 | $ 3866/yr. | $322 | + $2076 |
| 33155 | $ 4256/yr. | $355 | + $2466 |
| 33156 | $ 3967/yr. | $331 | + $2177 |
| 33157 | $ 4085/yr. | $340 | + $2295 |
| 33158 | $ 3976/yr. | $331 | + $2186 |
| 33160 | $ 4172/yr. | $348 | + $2382 |
| 33161 | $ 3954/yr. | $330 | + $2164 |
| 33162 | $ 4089/yr. | $341 | + $2299 |
| 33165 | $ 4706/yr. | $392 | + $2916 |
| 33166 | $ 4535/yr. | $378 | + $2745 |
| 33167 | $ 4124/yr. | $344 | + $2334 |
| 33168 | $ 4200/yr. | $350 | + $2410 |
| 33169 | $ 4532/yr. | $378 | + $2742 |
| 33170 | $ 4230/yr. | $353 | + $2440 |
| 33172 | $ 4636/yr. | $386 | + $2846 |
| 33173 | $ 4322/yr. | $360 | + $2532 |
| 33175 | $ 4508/yr. | $376 | + $2718 |
| 33176 | $ 4083/yr. | $340 | + $2293 |
| 33177 | $ 4134/yr. | $345 | + $2344 |
| 33178 | $ 4654/yr. | $388 | + $2864 |
| 33179 | $ 4078/yr. | $340 | + $2288 |
| 33180 | $ 4139/yr. | $345 | + $2349 |
| 33181 | $ 4120/yr. | $343 | + $2330 |
| 33182 | $ 4649/yr. | $387 | + $2859 |
| 33183 | $ 4493/yr. | $374 | + $2703 |
| 33185 | $ 4428/yr. | $369 | + $2638 |
| 33186 | $ 4292/yr. | $358 | + $2502 |
| 33187 | $ 4385/yr. | $365 | + $2595 |
| 33189 | $ 4170/yr. | $348 | + $2380 |
| 33190 | $ 4145/yr. | $345 | + $2355 |
| 33193 | $ 4389/yr. | $366 | + $2599 |
| 33194 | $ 4178/yr. | $348 | + $2388 |
| 33196 | $ 4399/yr. | $367 | + $2609 |
Call Now For Miami-dade County, FL Home Insurance Rate Quotes: Call - 1-877-480-7274!
Frequently Asked Questions About Home Insurance in 33154, FL
How do I properly calculate my dwelling coverage in 33154, FL?
When insuring your home in 33154, the most important number on your policy is your dwelling coverage (Coverage A). This is the amount it would cost to fully rebuild your home after a total loss.
In Florida, dwelling coverage is based on replacement cost — not market value. We evaluate local construction costs in Miami Beach, building materials, roof type, home features, building code upgrades, and total heated square footage.
At FloridaHomeInsurance.com, we use advanced replacement cost estimating tools to calculate an accurate rebuild value so you are not underinsured or overpaying in premium.
What's the best way to prepare for hurricane season in Miami-dade, FL?
Florida hurricane season runs from June 1 through November 30. The best time to secure coverage is before a storm is named.
Homeowners in Miami-dade County should review their hurricane deductible, confirm wind mitigation credits, verify roof age eligibility, and consider flood insurance coverage.
Once a storm is officially tracking toward Florida, many insurance carriers restrict new policies or coverage changes. Securing proper coverage early is critical.
I already have homeowners insurance. Do I still need flood insurance in 33154?
Standard Florida homeowners insurance policies do not cover flood damage. Flood insurance must be purchased separately.
The elevation in 33154 is approximately 0 feet, but flood risk depends on more than elevation alone. Heavy rainfall, storm surge, and drainage patterns can all create risk.
If your home is in a designated flood zone and has a mortgage, your lender may require flood insurance. During our quoting process, we review flood zone details and provide options for additional protection.
Do I need windstorm or hurricane coverage in Miami Beach, FL?
Yes. Homes in Miami Beach, including 33154, are exposed to hurricanes, tropical storms, and severe wind events.
Windstorm coverage is typically included in your homeowners policy but includes a separate hurricane deductible. We help you review deductible options, wind mitigation discounts, roof qualifications, and opening protection credits to ensure proper protection.
Below is a list of our most popular searched areas in Florida for homeowners looking for average home insurance rates by zip code.