In Hialeah, Florida, Nationwide is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. Selecting home insurance depends on factors like cost, coverage, and customer service.
Best and Cheapest Home Insurance in Hialeah, FL (2024)
Updated: December 19, 2024
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Best HomeInsuranceHialeah, FLTable of Contents
Best Overall - Nationwide
Best for Service - Chubb
Best Cheap - Nationwide
Cheapest Overall - Nationwide
Cheapest for High-Value Homes - Nationwide
Cheapest for New Homes - Nationwide
Why Trust MoneyGeek? We used data from Florida's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Hialeah.
Home insurance premiums in Hialeah represent the latest available quotes as of September 2024.
5,529,600Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Hialeah, FL
Nationwide is the best option in Hialeah, Florida for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 93 out of 100. This high score makes it a strong choice for homeowners in the area.
The scores for home insurance companies in Hialeah, Florida range from 38 to 93 using MoneyGeek's scoring system. Insurers may receive different scores based on factors like your credit history or the age of your home.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Nationwide | 93 | $1,279 |
| State Farm | 90 | $1,995 |
| Chubb | 80 | $7,069 |
| Allstate | 76 | $4,348 |
| Florida Peninsula Insurance | 68 | $6,921 |
| ASI | 63 | $5,391 |
| Heritage Insurance | 63 | $5,009 |
| Universal Property | 38 | $12,424 |
Overall Best Home Insurance in Hialeah, FL
Nationwide is the best option in Hialeah, Florida for $100K dwelling coverage. The two best overall home insurance companies in Hialeah for $100K dwelling coverage are:
- Nationwide: MoneyGeek score of 93 out of 100 ($1,279 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($1,995 per year)
Nationwide stands out as the best home insurance provider due to its strong affordability and coverage scores, making it a reliable choice for homeowners seeking value and satisfaction.
In Hialeah, Florida, there are various companies with differing costs and service levels. While cost is an important factor, consider other aspects, like customer service.
Best OverallNationwide
MoneyGeek Score:
93/ of 100
Overview
Nationwide scores high on affordability and coverage, making it a top choice. It offers comprehensive home insurance with cyber event/ID theft and scheduled personal property coverages. You can save with discounts like bundle and protective device. Bundling home and auto insurance can lower your premium.
Nationwide provides useful coverages like guaranteed replacement cost, which helps rebuild your home after a loss. Service line protection covers damage to underground lines bringing utilities to your home. Equipment breakdown coverage helps repair or replace damaged electronics.
Best Home Insurance for Customer Service in Hialeah, FL
Chubb offers the best customer service in home insurance in Hialeah, Florida for $100K dwelling coverage. When evaluating the top options for this coverage, Chubb leads the pack alongside Nationwide. Here’s a quick overview:
- Chubb: MoneyGeek score of 96 out of 100 ($7,069 per year)
- Nationwide: MoneyGeek score of 87 out of 100 ($1,279 per year)
Chubb stands out for its high customer satisfaction. Its focus on personalized support and attention contributes to its top ranking. Choosing Chubb means having a dependable partner, especially when you need assistance with claims and inquiries.
Excellent service in home insurance involves reliability, effective claims handling and proactive customer support.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. You can save with discounts like protective device, which gives a discount for having security systems.
Chubb's coverages are useful for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement offers a payout if you choose not to rebuild.
Best Cheap Home Insurance in Hialeah, FL
Nationwide is the best cheap home insurance option in Hialeah, Florida. The top two best cheap insurance providers for $100K dwelling coverage are:
- Nationwide: MoneyGeek score of 96 out of 100 ($1,279 per year)
- State Farm: MoneyGeek score of 93 out of 100 ($1,995 per year)
Nationwide stands out in Hialeah due to its strong affordability and excellent coverage options. While getting cheap home insurance may help you save money, it might also mean opting for lower coverage. This can save on premiums but may not be ideal if an accident happens.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. Choosing the best cheap insurance is different from choosing the cheapest, as it balances cost and quality.
Best CheapNationwide
MoneyGeek Score:
96/ of 100
Overview
Nationwide is the best cheap company with high scores in affordability and satisfaction. It offers comprehensive home insurance with cyber event/ID theft and scheduled personal property coverages. You can save with discounts like bundle and protective device. Bundle your home and auto insurance to get a discount. If your home has smoke detectors or alarms, you can also save.
Nationwide provides useful coverages like service line protection, which helps if underground lines get damaged. Equipment breakdown coverage is valuable for fixing broken appliances. Building ordinance or law coverage helps rebuild your home to current codes after damage.
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Rates updated:
Dec 23, 2024
Homeowners insurance in Hialeah is influenced by several factors, notably location. To save, compare rates; however, this process can be lengthy, taking up to 15 minutes per company and potentially over an hour for three or more. Use MoneyGeek's home insurance calculator to save time. Enter details like age, dwelling coverage, credit score and deductible for an estimate.
Cheapest Home Insurance in Hialeah, FL
MoneyGeek found that Nationwide is the best option in Hialeah, Florida, for affordable home insurance. The most important factor affecting insurance costs is the dwelling coverage you choose.
- For 100K Dwelling Coverage: Nationwide: $1,279 per year
- For 250K Dwelling Coverage: Nationwide: $2,913 per year
- For 500K Dwelling Coverage: Nationwide: $5,760 per year
Nationwide stands out for its low cost and top MoneyGeek rank in the 100K category in Hialeah, Florida. It also ranks highest in the higher coverage tiers due to its affordability. By choosing the cheapest homeowners insurance in Florida, you can better manage your finances by freeing up funds for other expenses.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Nationwide | $1,279 |
| State Farm | $1,995 |
| Allstate | $4,348 |
| Heritage Insurance | $5,009 |
| ASI | $5,391 |
| Florida Peninsula Insurance | $6,921 |
| Chubb | $7,069 |
| Universal Property | $12,424 |
Cheapest Home Insurance for High-Value Homes in Hialeah, FL
Nationwide offers the cheapest home insurance for high value homes in Hialeah, Florida. High dwelling coverage is essential for homes that cost more to replace, impacting home insurance costs.
- Cheapest for $750K Dwelling Coverage: Nationwide: $8,534 per year
- Cheapest for $1M Dwelling Coverage: State Farm: $10,797 per year
Nationwide is the most affordable option for homeowners in Hialeah. While Nationwide offers low premiums, the highest MoneyGeek score for coverage in Hialeah goes to State Farm.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Nationwide | $8,534 |
| State Farm | $8,620 |
| ASI | $32,539 |
| Heritage Insurance | $40,224 |
| Allstate | $43,011 |
| Chubb | $52,748 |
| Florida Peninsula Insurance | $56,457 |
| Universal Property | $64,710 |
Cheapest Home Insurance for New Homes in Hialeah, FL
Nationwide is the cheapest option in Hialeah, Florida for home insurance on new homes with $100K dwelling coverage.
- Cheapest for $100K Dwelling Coverage: Nationwide: $636 per year
- Cheapest for $250K Dwelling Coverage: State Farm: $1,254 per year
- Cheapest for $500K Dwelling Coverage: State Farm: $2,040 per year
Nationwide offers the lowest cost for new homes in Hialeah, Florida but it is not the best option based on other criteria.
Data filtered by:Results filtered by:
Select
Coverages:1 - $100K Dwelling
| Nationwide | $636 |
| State Farm | $679 |
| Allstate | $1,665 |
| ASI | $1,910 |
| Heritage Insurance | $2,962 |
| Florida Peninsula Insurance | $4,375 |
| Chubb | $4,686 |
| Universal Property | $7,674 |
How to Find the Best Home Insurance for You in Hialeah, FL
The best cheap homeowners insurance providers offer a balance of quality and cost, ensuring great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Hialeah depends on your needs. Consider factors like coverage, customer service and deductibles.
- 1
Evaluate Your Insurance Needs
In Hialeah, Florida, determine how much home insurance coverage you need by assessing rebuilding costs, personal property value and liability requirements.
- 2
Compare Different Providers
Research insurance companies operating in Hialeah. Focus on those with financial strength, positive customer feedback and a history of good service.
- 3
Compare Coverage and Costs
After identifying necessary coverages, compare home insurance quotes. In Hialeah, Florida, premiums for $100K dwelling coverage range from $1,279 to $6,921 annually.
- 4
Ask About Discounts
Inquire with each insurer about potential discounts for bundling, safety features or a claims-free history.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's affordable during a claim.
- 6
Improve Home Security
Enhancing security systems and installing strong locks can lower the risk profile of your home, potentially reducing insurance costs.
- 7
Maintain Good Credit
A good credit score can influence your insurance rates in Hialeah, Florida. Pay bills promptly and minimize outstanding debt.
- 8
Bundle Policies
Consider bundling homeowners insurance with other policies like auto insurance for possible discounts and savings.
FAQ: Best Cheap Home Insurance in Hialeah, FL
Selecting the best cheap home insurance provider depends on your coverage needs and budget. Get answers to some of the most common questions about the best cheap insurance rates in Hialeah, Florida.
How much is home insurance in Hialeah, Florida, on average?
The average cost of home insurance in Hialeah, Florida, is $4,269.
What is the cheapest home insurance company in Hialeah, Florida?
The cheapest home insurance company in Hialeah, Florida, is Nationwide with an annual premium of $1,279.
What is the best home insurance company in Hialeah, Florida?
The best home insurance in Florida for Hialeah 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.