Updated: December 16, 2024
Advertising & Editorial Disclosure
In Miami Gardens, Florida, Nationwide is the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best. These companies cater to different needs.
We recommend choosing a provider based on your priorities, such as budget, coverage quality and service.
Best HomeInsuranceMiami GardensTable of Contents
Why Trust MoneyGeek? We used data and rates from the Florida Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Miami Gardens.
Home insurance premiums in Miami Gardens represent the latest available quotes as of September 2024.
MoneyGeek found that Nationwide is the best option in Miami Gardens, Florida, for home insurance with $100K dwelling coverage. It has a MoneyGeek score of 93 out of 100.
The scores for home insurance companies in Miami Gardens, Florida, range from 38 to 93. These numbers reflect MoneyGeek's scoring system, and your score might vary based on factors like credit history and the age of your home.
| Nationwide | 93 | $1,387 |
| State Farm | 90 | $2,005 |
| Chubb | 75 | $7,050 |
| Allstate | 73 | $4,348 |
| ASI | 59 | $5,528 |
| Florida Peninsula Insurance | 57 | $8,331 |
| Heritage Insurance | 57 | $5,643 |
| Universal Property | 38 | $9,945 |
MoneyGeek found that Nationwide is the best option in Miami Gardens, Florida, for $100K dwelling coverage. The two best overall home insurance companies in Miami Gardens for $100K dwelling coverage are:
Nationwide is the best home insurance provider because of its competitive premiums and good customer satisfaction, which are major contributors to its MoneyGeek score.
In Miami Gardens, Florida, various companies offer different cost and service experiences. While cost is a crucial factor, other aspects like service quality and claims processing are important, especially when making claims.
Nationwide has high affordability and coverage scores, making it a top choice for home insurance. It offers comprehensive coverage with cyber event/ID theft and scheduled personal property. Discounts like home renovation and roofing material can help you save. Renovating your home's systems or having a newer roof can qualify you for these savings.
Nationwide offers useful coverages like guaranteed replacement cost, which helps rebuild your home after a loss. Service line coverage protects against damage to underground lines, and equipment breakdown covers repairs for mechanical or electrical failures. These coverages provide valuable protection for homeowners.
MoneyGeek found that Chubb provides the best customer service in home insurance in Miami Gardens, Florida, for $100K dwelling coverage. The top two providers for this coverage are:
Chubb tops the ranks due to its exceptional customer satisfaction ratings and comprehensive coverage options, which significantly boost its MoneyGeek score. Choosing Chubb ensures you receive attentive service and extensive policy options tailored to protect your home in Miami Gardens, Florida.
Excellent service in home insurance includes quick response times, fair and transparent claims processing, and effective communication.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. If your home is seven or 10 years old or less, you qualify for the new home discount.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you take a cash payout if you choose not to rebuild.
MoneyGeek found that Nationwide is the best cheap home insurance option in Miami Gardens, Florida, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Florida, Nationwide stands out due to its strong affordability and coverage options. Choosing cheap home insurance often means opting for lower coverage, which is easy on the wallet but can be problematic if an accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap insurance differs from the cheapest, as it provides a balance between cost and coverage, not just the lowest price. Nationwide effectively balances value and service.
Nationwide is the best cheap company, with a high MoneyGeek score, thanks to its affordability and coverage. It offers comprehensive home insurance, including cyber event/ID theft and scheduled personal property. You can save with discounts like bundle, which applies when you combine home and auto insurance.
Nationwide provides useful coverages like service line, equipment breakdown and building ordinance or law. These help protect against damage to service lines, cover repairs for equipment breakdowns and ensure homes meet current building codes after a loss, respectively.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 21, 2024
Many factors affect homeowners insurance in Miami Gardens, including location. Comparing rates is the best way to save, but researching multiple companies can take over an hour. Use MoneyGeek's home insurance calculator to save instantly by focusing on key factors. Enter details like your age, dwelling coverage, credit score, deductible and liability coverage for a rate estimate.
MoneyGeek concludes that Nationwide offers the best deal for home insurance in Miami Gardens, Florida. One major element affecting home insurance costs is the dwelling coverage you select, impacting how much you'll pay yearly.
Nationwide stands out in Miami Gardens, Florida, for its low cost and high MoneyGeek score, making it the most economical choice. Although State Farm offers the cheapest $500K coverage, it isn't number one according to its MoneyGeek score.
Buying the cheapest homeowners insurance in Florida aids smart financial planning by lowering housing expenses.
| Nationwide | $1,387 |
| State Farm | $2,005 |
| Allstate | $4,348 |
| ASI | $5,528 |
| Heritage Insurance | $5,643 |
| Chubb | $7,050 |
| Florida Peninsula Insurance | $8,331 |
| Universal Property | $9,945 |
State Farm offers the cheapest home insurance for high-value homes in Miami Gardens, Florida. High dwelling coverage is needed for homes that are more expensive to replace, and home insurance costs often rise as coverage amounts increase.
State Farm is the cheapest choice in Miami Gardens due to its affordability. According to MoneyGeek, its affordability does not always mean it offers the best overall value, as other factors play a role in determining the best insurance option.
| State Farm | $8,702 |
| Nationwide | $9,278 |
| ASI | $33,298 |
| Allstate | $43,011 |
| Heritage Insurance | $45,416 |
| Universal Property | $51,990 |
| Chubb | $52,277 |
| Florida Peninsula Insurance | $67,944 |
State Farm offers the cheapest home insurance for new homes in Miami Gardens, Florida.
State Farm is the cheapest because of its low annual premiums, making it an affordable option for homeowners in Miami Gardens. Though it's the cheapest, it stands out among other options for its overall offerings.
You need to be adequately covered to protect your investment.
| State Farm | $666 |
| Nationwide | $687 |
| Allstate | $1,665 |
| ASI | $1,967 |
| Heritage Insurance | $3,127 |
| Chubb | $4,667 |
| Florida Peninsula Insurance | $5,182 |
| Universal Property | $5,705 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Miami Gardens depends on your needs. Consider factors beyond premiums, such as deductible, coverage limits and customer reviews. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specific requirements of your home in Miami Gardens, Florida. Think about rebuilding costs, personal property value and liability coverage.
Look into insurance companies operating in Miami Gardens, Florida. Focus on those with good financial health, positive customer feedback and a solid service history.
After identifying your coverage needs, compare home insurance quotes. In Miami Gardens, Florida, premiums for $100K dwelling coverage range from $1,387 with Nationwide to $9,945 with Universal Property.
Inquire with each provider about potential discounts you might qualify for, such as bundling, safety features or a claims-free status.
Opting for a higher home insurance deductible can reduce your premium, but ensure the deductible is manageable for you.
Enhancing your home's security with alarm systems and sturdy locks can lower its risk profile, possibly reducing insurance costs.
Sustain a good credit score as it impacts your insurance rates in Miami Gardens, Florida. Timely bill payments and minimal debt are key.
Consider combining your homeowners insurance with other policies, like auto insurance, to receive discounts and save money.
The best cheap home insurance provider in Miami Gardens depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Miami Gardens, Florida, to make informed decisions.
The average home insurance cost in Miami Gardens, Florida, is $4,218.
Nationwide is the cheapest home insurance company in Miami Gardens, Florida, with an annual premium of $1,387.
The best home insurance in Florida for Miami Gardens residents is provided by Nationwide, with a MoneyGeek score of 93 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
