Best & Cheapest Homeowners Insurance in Hialeah, FL December, 2024

In our thorough assessment of home insurance providers in Hialeah, FL, Nationwide stands out as the most budget-friendly option, offering an average annual rate of $1,592. However, the best insurer for your specific situation may vary based on certain factors.

For example, if you have a lower credit score, Allstate is the most economical choice with an average yearly premium of $2,450. For newly constructed homes, Travelers provides the most cost-effective solution at $1,065 per year.

If you possess valuable personal property, Nationwide proves to be an excellent choice, offering extensive coverage at a reasonable rate of $1,723 per year.Individuals with a history of claims may find an affordable option with State Farm at $3,026 per year.

At Insuranceopedia, our comprehensive analysis aims to help you find the ideal fit for your home insurance needs. We compare customer ratings, assess personal experiences, and present comparison charts to provide you with all the necessary information for making an informed decision.

As mentioned below, insurance rates in Hialeah are higher than both the national average and the Florida state average.

Home insurance rates vary widely and can change significantly based on several factors.

Cheapest homeowners insurance in Hialeah, FL

In Hialeah, FL, Nationwide is the most budget-friendly option for homeowners insurance, with an average annual rate of $1,592.

The cost of your insurance policy is influenced by factors such as your location, the value of your home, and your claims history. Nationwide provides a well-rounded option that balances affordability with comprehensive coverage.

Cheapest Homeowners Insurance If You Have Poor Credit

For individuals with a lower credit score, Allstate offers the most economical solution, with an average annual rate of $2,450.

Your credit score can indeed have a substantial impact on your insurance rates, as insurers consider it when evaluating risk. Allstate recognizes the importance of offering fair coverage to everyone, regardless of their credit history.

Cheapest Homeowners Insurance for Newly Constructed Homes

Travelers provides a cost-effective solution for owners of newly constructed homes, with an average annual rate of $1,065.

Newly constructed homes typically have unique coverage needs compared to older homes, and Travelers specializes in offering affordable policies tailored to these specific requirements.

Cheapest Home Insurance Rates for Lots of Personal Property

Nationwide provides affordable coverage for individuals with a significant amount of personal property, offering competitive rates with an average annual premium of $1,723.

Nationwide offers comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected, even if you have a substantial amount of personal property.

Cheapest Home Insurance In Hialeah for a History of Claims

For homeowners with a history of claims, State Farm presents an affordable solution with an average annual rate of $3,026

Having a history of claims can result in higher premiums, as it may signal increased risk for insurers. Nonetheless, State Farm strives to offer reasonable rates for individuals with past claims, providing a second chance for affordable coverage.

Best Homeowners Insurance Companies in Hialeah, FL

Selecting the right homeowners insurance isn’t just a necessity; it’s a strategic decision. Hialeah, with its rich history, boasts homes as diverse as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates is crucial.

To simplify your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Hialeah, FL. These companies have been evaluated based on criteria such as annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Refer to our comparison chart below to identify the perfect match for your home insurance needs.

Average Home Insurance Rates by Zip Codes

Home insurance costs in Hialeah, FL can vary widely depending on the zip code. Below, you’ll find tables showing rates for different zip codes in Hialeah, along with details about the least and most expensive zip codes for annual home insurance premiums in the area.

Cheapest Zip Codes

Most Expensive Zip Codes

Average Home Insurance Rates in Hialeah FL by Deductible Amount

The deductible you choose for your homeowners insurance policy can significantly influence premium rates in Hialeah, FL. Here’s a breakdown of how average home insurance rates change based on different deductible amounts:

Average Home Insurance Rates in Hialeah, FL By Coverage Amount

Dwelling coverage, representing the maximum amount your insurance provider will pay to rebuild or repair your home in the event of damage or destruction, is a pivotal factor that affects your premium.

Here’s a comparison chart outlining the average annual homeowners insurance premiums for various dwelling coverage amounts:

Average Home Insurance Rates in Hialeah, FL by Company

Here is a comparison table displaying annual premiums from some of the leading providers in Hialeah:

How Much is Homeowners Insurance for Other Cities in Florida?

Here is a detailed comparison chart showcasing the cheapest companies and their annual premiums across various cities in Florida:

Getting Online Homeowners Insurance Quotes in Florida

Websites like Insuranceopedia make it easy to find the best coverage for your specific needs. You can quickly get online quotes from top-rated insurers, making it simple to compare rates.

Just enter your information, and Insuranceopedia will give you various options tailored to your requirements. This straightforward process helps you choose a policy that provides great value, balancing cost and comprehensive coverage.