Home insurance

Need home insurance in Miami-Dade County? Get a quick quote today.

Miami-Dade County’s natural beauty has drawn over 2 million people to the area. But breathtaking views of the ocean give residents a front row seat for some of nature’s most powerful storms. 

The right home insurance is key to making sure you can recover from whatever nature throws at you – and that’s where we come in. Our top priority is to provide affordable homeowners insurance where people need it most.

How much does home insurance cost in Miami-Dade County?

The most recent information shows that the average cost of homeowners insurance in Florida is $2,165 per year. This makes Florida the most expensive state in the nation for home insurance costs, with rates increasing at an alarming rate. Unfortunately, Miami-Dade homeowners often pay at least the average, if not higher.

Here are some of the factors that impact the cost of home insurance in Miami-Dade County.

Proximity to coastline

Homes closer to the coastline generally have higher rates because they’re more likely to experience hurricane damage. Homeowners insurance typically covers hurricanes and other types of windstorms; however, your policy will most likely have a hurricane deductible.

Natural disasters

Hurricanes are a perennial concern in Miami-Dade County, but they aren’t the only natural disaster the area sees. According to Augurisk, the county has a high natural disaster score of nearly 68%, and the list of past disasters include tropical storms, tornadoes, fires, and even severe freezes.


Compared to the other natural disasters on this list, thunderstorms may not seem like a big deal. However, they can take a toll on your home, especially when they bring hail and high winds, and Miami reports about 80 thunderstorms every year. That’s more than most US cities.


Almost 22% of Miami-Dade County is covered by water, and the area is only six feet above sea level. Worse? Experts expect climate change to exacerbate flooding concerns for the county.

Unfortunately, flooding often requires separate flood insurance because most homeowners policy don’t cover this peril – even when it’s required. But considering the potential for flooding in Miami-Dade, getting flood insurance is usually a good idea.

We offer flood coverage in the form of an endorsement to your homeowners policy. This way, the coverage is often broader and more affordable than buying an additional flood policy.

Roof construction and age

Your roof is one of the important systems in your home. For this reason, homes with older roofs or roofs in poor condition are often more costly to insure. It’s also why the state requires home insurance companies to offer discounts for reducing your wind risk

Claims history

Home insurance claims can stay on your record for up to seven years, and multiple claims can make insurers charge a higher premium. However, not every claim is the same. State laws prohibits insurance companies from holding a claim against you if it involves an act of God.

Coverage and deductible amounts

How much insurance you need and the deductible amounts on your policy also influence your premium. Higher limits typically mean you pay more for your coverage, while choosing a higher deductible can bring your costs down.

Home value

Home value is a key factor in your homeowners insurance costs. Generally speaking, home insurance prices are higher in areas with high value homes.

Miami-Dade County home values

Highest Lowest
Gables by the Sea Ojus
Coral Gables North Miami
Sunny Isles Beach Homestead
Palmetto Bay Miami Gardens
Miami Hialeah
Miami Beach

Home insurance FAQs for Miami-Dade County homeowners

Is windstorm coverage included in my standard Florida homeowners insurance policy? 

Not always. Due to the high risk of hurricanes in Miami-Dade, many insurance companies don’t cover it. That said, our Florida home insurance does include windstorm coverage with an additional hurricane deductible.

Do I need flood insurance if I’m not in a designated flood zone? 

While it’s mandatory for homes with mortgages in FEMA-designated flood zones to have flood insurance, flooding can occur outside these zones too. Given Miami-Dade’s low elevation and susceptibility to storm surge, it’s wise to consider flood insurance no matter where you live in the county. 

How can I lower my homeowners insurance premiums in Miami-Dade County? 

You can have an impact on your home insurance premiums in Miami-Dade County by undertaking certain wind mitigation measures, such as:

  • Installing hurricane shutters.

  • Reinforcing your roof with hurricane clips.

  • Upgrading your windows.

We also offer a variety of other discounts and premium reductions for homeowners who qualify.

Can I buy a regular home insurance policy for my mobile home?

No, mobile home owners need to purchase  mobile home insurance. Also called an HO7 policy, mobile home insurance covers manufactured homes for their unique needs and risks. 

Does my policy cover additional living expenses if I’m displaced after a storm? 

Many standard home insurance policies in Miami-Dade County include additional living expenses (also called loss of use) coverage. Loss of use coverage is standard in a Kin home insurance policy.

How does the age and condition of my roof impact my Miami-Dade home insurance? 

Older roofs or those in poor condition might lead to higher premiums or even denial of coverage. Some insurance companies offer discounts for newer or storm-fortified roofs. 

Additional resources for Miami-Dade County homeowners

Florida homestead exemption

Home maintenance checklist

Home hardening tips

Wind mitigation information

General permit information

Tax collector website

Save our homes FAQs

How to get home insurance in Miami-Dade County

While other insurance companies have withdrawn from Florida because of the high cost of hurricanes, Kin is proud to offer affordable coverage to homeowners who need it most. We are committed to Florida for the long haul. 

Get a quote for Miami-Dade County, FL, homeowners insurance today. 

Home insurance guides for Miami-Dade County cities



Miami Beach

North Miami



Miami Gardens

Related Posts:More about home insurance in Florida:

Start Saving on Your Home Insurance