Home insurance in Hialeah
Protect your home with top-rated coverage that could save you over $1,000 every year.*
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Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
What does homeowners insurance cover in Hialeah?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Hialeah
The average cost of home insurance is more than $9,400 per year in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Florida covered.
We help Floridians find coverage across the entire Sunshine State!
We sell policies in every county in Florida, including in these major cities:
- Cape Coral
- Fort Lauderdale
- Fort Myers
- Jacksonville
- Miami
- Orlando
- Pembroke Pines
- Pensacola
- Port St. Lucie
- Sarasota
- St. Petersburg
- Tallahassee
- Tampa
Common questions about Hialeah home insurance
What’s the average cost of home insurance in Hialeah?
Florida’s average annual premium is around $9,462 according to the latest data available from the Consumer Federation for America. Homeowners in Hialeah often face higher costs due to older homes, high population density, and elevated hurricane exposure in South Florida.
What factors affect home insurance premiums in Hialeah?
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Exposure to hurricane-force winds from the Atlantic
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Age and condition of the roof and home
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Type of construction (masonry vs. frame)
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Claims history in the ZIP code
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Proximity to flood-prone areas like Biscayne Bay
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Local crime rates affecting theft coverage
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Building code compliance for older properties
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Policyholder’s credit-based insurance score
How much home insurance do I need in Hialeah?
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Enough to cover the full cost to rebuild your home based on South Florida building prices
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Personal property coverage to reasonably cover the cost of your insurable belongings, with policies typically set to at least 50% of your dwelling coverage.
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Flood protection for areas near canals or low-lying neighborhoods
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Personal liability coverage to cover your assets if you are at fault for a guests injuries or damaging the property of a third-party, such as a neighbor
What does home insurance not cover in Hialeah?
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Flooding, including that caused by storm surges, overflowing bodies of water, or intense storms
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Earthquakes, sinkholes, or other landslides
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The replacement of components, systems, or materials compromised by normal wear and tear.
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Pest or rodent infestation
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Intentional damage
What additional coverages should Hialeah homeowners consider?
Given Hialeah’s location in hurricane-prone South Florida and its older housing inventory, homeowners should consider:
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Flood insurance
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Windstorm coverage enhancements
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Ordinance or law coverage for outdated structures
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Extended replacement cost due to high rebuilding demand
Is home insurance required in Hialeah?
It’s not required by law, but lenders will require home insurance in order to obtain a mortgage. Flood insurance may also be required in FEMA-designated zones or if you have a mortgage on your property.
Even if you aren’t required to carry home insurance, the right policy can be worth the investment. If your home or property is damaged by a covered peril, home insurance can help cover costs. Without it, you’ll be required to pay out of pocket for repairs, replacements, or rebuilds.
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