Triple I Insurance
1840 W 49th St, Suite 707, Hialeah, FL 33012
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1840 W 49th St, Suite 707, Hialeah, FL 33012
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hialeah residents.
Hialeah homeowners pay $26,693/year—the nation's highest. Learn how wind mitigation, roof inspections, and bundling can save you thousands on insurance.
Hialeah faces extreme hurricane exposure, dense urban construction that amplifies storm damage claims, and a mix of older homes that lack modern wind-resistant features. The city consistently ranks as having the highest home insurance rates in the entire country, with average premiums of $4,000-$5,000 annually. The concentration of properties means a single major hurricane can trigger billions in claims, which insurers price into premiums.
Yes, flood insurance is separate and increasingly essential in Hialeah. Your standard homeowners policy excludes flood damage from hurricanes or heavy rainfall. If you have a mortgage in a flood zone, your lender requires it. Citizens Property Insurance now requires flood coverage for most policyholders in a phased rollout, starting with homes valued at $600,000+ and eventually covering all policies by 2027.
Wind mitigation inspections typically save Hialeah homeowners 25-45% on their wind premium, which can translate to $1,000-$1,800 annually on a typical policy. The inspection costs $75-$150 and documents hurricane-resistant features like impact windows, roof clips, and hurricane straps. Florida law requires insurers to provide discounts for these features, making the inspection one of the best investments for reducing insurance costs.
Many insurers won't cover homes with roofs older than 15 years, or they charge significantly higher premiums with strict restrictions. You may need to replace your roof to maintain affordable coverage. The good news is a new impact-resistant roof qualifies for substantial wind mitigation discounts and can save you enough on insurance over 7-10 years to offset much of the replacement cost.
Citizens is Florida's state-run insurer of last resort for homeowners who can't get coverage in the private market. While it's no longer the cheapest option and now requires flood insurance for most policies, Citizens provides coverage when private insurers won't. Recent reforms have actually led to rate decreases for many Miami-Dade policyholders, with 73% seeing premiums drop an average of 6.3% in 2025.
Hurricane deductibles are typically 2-5% of your home's insured value, much higher than your regular deductible. If your home is insured for $300,000 with a 5% hurricane deductible, you'll pay the first $15,000 of hurricane damage out of pocket. This high deductible applies only when a storm is officially declared a hurricane, and it's one reason you need adequate emergency savings when living in South Florida.
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