Hialeah Homeowners Insurance

What Your Hialeah Home Insurance Policy Needs

With nearly a quarter of a million residents, Hialeah is the sixth largest city in Florida. It has a lot to offer its many residents, including three large tennis centers, several public swimming pools and more than a dozen beautiful parks. Parents can choose among many public, charter, magnet, and private schools for their children; and Hialeah, FL is home to Miami-Dade Community College-Hialeah Campus, the College of Business and Technology and Florida National University. If you are one of the many residents who have chosen to purchase a house in this vibrant city, you will want to be sure to protect your investment with a suitable Hialeah home insurance policy.

Comparison shopping can help you find the best policy to meet your coverage and budgetary needs. Independent insurance agents in the Trusted Choice® network make shopping for affordable home coverage easy. These agents are able to obtain customized Hialeah homeowners insurance quotes from a number of highly rated providers so that you are able to choose the policy that is right for yourself and your family. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

On average, homeowners in Florida pay more for their home insurance coverage than most across the nation, but the figures listed above can only give you a general idea of what your coverage rates might be. The only way to discover your actual cost for coverage is to request quotes from insurance companies.

The insurers that you contact take a number of factors into consideration when they calculate the cost of your Hialeah home insurance premiums. Prices can be influenced by several factors, including the following:

  • The ZIP code where your house is located
  • The age, value and estimated rebuilding cost of the house you are insuring
  • The building materials used in your home’s construction
  • The use of the house you are insuring: primary residence, second home or vacation home
  • The amount of property coverage you need
  • The amount of your deductible
  • Your claims history and, sometimes, even your credit score

To find a policy that offers you the best value for your money, you should compare at least three Hialeah homeowners insurance quotes before making a selection.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, you need to insure that property as well. However, your coverage needs are a bit different from those of your primary residence, particularly if you rent to tenants or if the house sits empty and unattended for several months out of the year. Be sure to discuss your coverage needs with your Trusted Choice Agent, who can help you find suitable policies for your additional houses. Your agent may even be able to get you a discount by bundling your second home or vacation home coverage with your Hialeah home insurance policy.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Burglary rates in the state of Florida are lower than the national average; and in Hialeah, the rate is low as well. In 2013, there was a total of 763 burglaries reported in this city. That equates to 3.26 burglaries for every 1,000 households – a little more than half the national rate of 6.11.

Burglar alarm systems are strong theft deterrents, and having one installed in your home can even earn you a discount on your home coverage. In the unhappy event that your house is burglarized, you may take some comfort in knowing that your Hialeah homeowners insurance policy provides you with compensation for your losses. Be sure to make an inventory of your lost or damaged items and keep a copy of the police report because you will need both when you file your claim.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

When disaster strikes, you will gain some peace of mind knowing that you have a solid insurance company backing you up. Of course, you need to be certain that your Hialeah home insurance includes a sufficient amount of structural and personal property (or contents) coverage so that, in the event of a total loss, you can afford to rebuild and start over.

Contents coverage covers everything you own in your house, from appliances to furniture to clothing. You may be surprised by the value of the belongings you have accumulated over the years. Your Trusted Choice Agent can help you decide on suitable coverage amounts and can recommend special endorsements if necessary for high-value items, like jewelry and fine art. Your agent can also help you decide whether purchasing actual value or replacement cost coverage is a better option for you.

What Are the Risks in Hialeah, FL?

Homeowners in Hialeah are at risk for property damage caused by severe storms. Occasionally, these storms spawn tornadoes, though tornado activity in this city is actually 33 percent lower than nationally. However, in 1959, an F3 twister touched down just 7.8 miles from the Hialeah city center. It injured 77 people and caused millions of dollars’ worth of property damage. Fortunately, your Hialeah home insurance policy is likely to cover damage caused by storms and tornadoes. Your Trusted Choice Agent can confirm this for you.

A more significant threat to homeowners in this city is flash floods, but what many do not discover until it is too late is that flood damage is specifically excluded from home insurance. Fortunately, the city of Hialeah is an active participant in the National Flood Insurance Program (NFIP). This means that your Trusted Choice Agent can help you supplement your Hialeah homeowners insurance with an affordable flood insurance policy. Talk to your agent to learn more.

Compare Hialeah Home Insurance Quotes

The only way you can be sure that you are getting your Hialeah home insurance coverage at a competitive rate is by requesting and comparing costs and offerings from other insurers. Unfortunately, consumers often find this process to be too time-consuming and inconvenient, and they therefore avoid doing it. Savvy homeowners in Hialeah, on the other hand, turn to the independent insurance agents in the Trusted Choice network for help.

Because Trusted Choice Agents are not tied to a single insurance company, they are free shop around to find you the best coverage. They can provide you with a selection of customized Hialeah homeowners insurance quotes from reputable insurance companies and can offer guidance as you select the best one to meet your coverage and budgetary needs. Find a Trusted Choice Agent in or near Hialeah to get started.

Now, who's ready to get their insurance problems solved?