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Home Insurance Rates in 33001

For homeowners shopping online in 33001, our insurance rates are very competitive for homeowners living in Long Key, FL. Many homeowners based out of the great city of Long Key have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 33001, simply click the "Get Multiple Quotes Now" button. Your 33001 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Long Key, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

33001 Home Insurance Rating is: Very High!

If you live in 33001, you can easily save up to 40% off the average home insurance premium of $1630 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Long Key can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 33001 today!

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33001 Home Insurance Average Premiums

Local 33001 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 33001 lowest rates with discounts applied on average.

For the 33001, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 33001?

  • • The average homeowners insurance premium paid annually for a home in 33001 is around $1630 per year.

What does it cost on average per month for home insurance in 33001?

  • • Homeowners in 33001 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33001?

  • • Autoowners in 33001 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Long Key area, check out other zip codes nearby 33001.
Review average rates in another zip code:
33001 homeowners insurance rates

Home Replacement Cost Coverage in 33001

Average Building Cost Per Square Foot in 33001: $167

Location: Long Key, Florida (Monroe County)

Average Square Footage in 33001: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33001 before you start any project. Long Key homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 33001 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 33001 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Long Key area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 33001 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 33001

Best Home & Auto Insurance Agencies in 33001

Housing Demographics for 33001

Population Review for 33001 Zip Code

For the city of Long Key, the population within 33001 has increased to over 0 residents in population size. The current population total is 411. We have broken down the population based on race below. In 33001, there are over 223 in male population and 188 females.

PopulationValues
Total Population411
White Population336
Black Population4
Hispanic Population103
Asian Population0
Hawaiian Population0
Indian Population1
Other Population6
Male Population223
Female Population188
Population Estimate0

Household Data for 33001

The average number of homes in 33001 is around 213, there are an average of 1.93 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode213
Persons Per Household1.93
Average House Value$165,000
Income Per Household$46397
Median Age58.5
Median Age Male60.2
Median Age Female56.6
33001 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code305/786
CityLong Key
City Alias NameLONG KEY
CountyMonroe
County FIPS087
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA370
CBSA28580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameKey West-Key Largo, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses16
Number Of Employees94
Business First Quarter Payroll719
Business Annual Payroll3231
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population73090
CBSA Division Population0
Congressional District28
Congressional LandArea0
Delivery Residential0
Delivery Business0
Delivery Total414
Preferred Last Line KeyY22287
Classification CodeP
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_Name
City State KeyY22287
Land Area1.953000
Water Area1.918000
City Alias Code
City Mixed CaseLong Key
City Alias Mixed CaseLong Key
Box Count391
SFDU0
MFDU0
State ANSI12
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number115315
Unique ZIP Name
SSA State County Code10430
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID44
County Mixed CaseMonroe

Florida Homeowners Insurance News & Information

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]