{
 "question": "Can I insure an older Miami house, and for how much?",
 "url": "https://shenandoahmiami.com/answers/insurance-older-house/",
 "answer": "Eligibility turns on roof age and inspections. Citizens asks for a 4-point inspection on homes over 20 years old. In Miami-Dade, the average homeowners premium was $5,975 with wind and $3,779 without wind, as of March 31, 2026. No official figure for older houses or for Shenandoah was found.",
 "short": "$5,975 county average",
 "category": "Buying",
 "dateModified": "2026-10-30",
 "dataThrough": "2026-09-28",
 "author": {
  "name": "Gatien Salaun",
  "brokerage": "Coldwell Banker Realty",
  "license": "SL3347568",
  "url": "https://shenandoahmiami.com/about/"
 },
 "attribution": "Based on information from the Southeast Florida Multiple Listing Service (SEFMLS) or from MIAMI Association of REALTORS® for the period September 27, 2022 through September 28, 2026. Data is deemed reliable but is not guaranteed accurate by the MLS and may not reflect all real estate activity in the market.",
 "table": {
  "caption": "Insurance rules and Miami-Dade average premiums, data as of March 31, 2026, checked October 29, 2026.",
  "columns": [
   "Item",
   "Figure or rule",
   "Source"
  ],
  "rows": [
   [
    "Average homeowners premium, Miami-Dade, with wind",
    "$5,975",
    "OIR"
   ],
   [
    "Average homeowners premium, Miami-Dade, without wind",
    "$3,779",
    "OIR"
   ],
   [
    "Average condo unit owners premium, Miami-Dade, with wind",
    "$2,801",
    "OIR"
   ],
   [
    "Roof under 15 years",
    "No refusal solely because of roof age",
    "§627.7011(5)(b)"
   ],
   [
    "Roof 15 years or older",
    "No refusal on age alone if an inspection shows 5 or more years of useful life",
    "§627.7011(5)(c)"
   ],
   [
    "4-point inspection",
    "Required by Citizens for homes over 20 years old",
    "Citizens"
   ],
   [
    "Wind-mitigation features",
    "Rate filings must include discounts for roof strength, roof-to-wall and opening protection",
    "§627.0629(1)"
   ]
  ]
 }
}