Miami, FL Homeowners Insurance: Get a Quote

Home insurance in Miami

Protect your home with top-rated coverage that could save you over $1,000 every year.

Save an average of $817/year when you bundle home + auto

Here’s how bundling works

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Start online, finish with an agent

You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.

Get affordable home insurance in 3 simple steps

Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.

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.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.

Protect your home from disasters big and small

The policies we offer can be customized to cover Miami's top risks.

What does homeowners insurance cover in Miami?

Rest easy knowing your coverage protects what matters most.

Dwelling coverage: for the actual structure of your home, inside and out. Learn more
Other structures: for things like your detached garage or shed. Learn more
Personal property: for your personal belongings that make your house a home. Learn more
Loss of use: for additional living expenses when a covered loss forces you to temporarily relocate. Learn more
Personal liability: if you accidentally cause someone bodily injury or property damage. Learn more
Medical payments: if a guest is injured on your property. Learn more
We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.

Discounts available in Miami

Kin customers pay an average of $1,879 per year for $350,000 in dwelling coverage for home insurance 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.

Common questions about Miami home insurance

What’s the average cost of home insurance in Miami?

On average, Kin customers pay $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida. Since Miami is a coastal city prone to substantial weather risks, home insurance premiums are often higher than the state average. The best way to determine how much you’ll pay for home insurance in Miami is to get a quote.

What factors affect home insurance premiums in Miami?

Multiple factors can affect your Miami home insurance premium, including:

Natural disaster risks. Miami faces extreme weather risks and is highly vulnerable to hurricane damage and losses, which increases the likelihood of claims and the cost of coverage.
Cost to rebuild your home. Your property’s replacement cost value will influence how much dwelling coverage you need. The more coverage you need, the higher your premium.
Age of the home. Older homes, especially those with outdated electrical, HVAC, and plumbing systems, usually cost more to insure than newer homes that meet current building standards.
Location. Homeowners in high-risk property crime areas may pay more for home insurance than in low-crime areas.
Policy details. Your coverage limits, deductibles, and any endorsements you add to your policy will affect your premium.
Your credit history. Insurers in Florida can use your credit history, specifically your credit-based insurance score, to determine your rates.
Claims history. If you or the property has a history of frequent claims, you may pay more for coverage. Conversely, a claims-free record may help you save.

What does home insurance not cover in Miami?

A standard homeowners insurance policy in Miami typically does not cover:

Flooding
Sinkholes
Landslides
Earthquakes
Backed-up sewer or sump pumps
Animal, insect, and pest damage
Home-based business activities
Maintenance and general wear and tear
Most cases of mold, mildew, or rot

What additional coverages should Miami homeowners consider?

Given the risks facing properties in Miami, homeowners should consider the following additional coverages:

Water backup coverage for damage from backed-up drains or sump pumps.
Flood insurance, for damage caused by storm surges, overflowing bodies of water, etc.
Ordinance or law coverage to cover the cost of rebuilding if you need to meet updated building codes.
Extended replacement cost coverage to protect against sudden increases in labor or material costs.
Personal property replacement cost to reimburse the full cost to replace items.

Is home insurance required in Miami?

Home insurance is not a requirement in Miami, but your lender will likely require you to have it if you have a mortgage. You may also have to buy flood insurance if your home is located in a high-risk flood zone.