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If you live in the 33028 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Pembroke Pines have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 33028 and then compare quotes from a variety of nationwide insurance companies.

33028 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 33028 the average premium for homeowners coverage is $1533 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 33028. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Pembroke Pines, FL home insurance quotes in your area.

33028 Home Insurance Average Premiums

Local 33028 homeowners insurance quotes comparison

$1283 /yr.

Shows Zip Code: 33028 lowest rates with discounts applied on average.

For the 33028, 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)
$1283 /yr.
Average Coverage:$1533 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1833 /yr.

What is the average home insurance cost for a home in 33028?

  • • The average homeowners insurance premium paid annually for a home in 33028 is around $1533 per year.

What does it cost on average per month for home insurance in 33028?

  • • Homeowners in 33028 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 33028?

  • • Autoowners in 33028 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 Pembroke Pines area, check out other zip codes nearby 33028.
Review average rates in another zip code:
33026 homeowners insurance rates
33028 homeowners insurance rates

Home Replacement Cost Coverage in 33028

Average Building Cost Per Square Foot in 33028: $167

Location: Pembroke Pines, Florida (Broward County)

Average Square Footage in 33028: 2,555 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33028 before you start any project. Pembroke Pines 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 33028 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 33028 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,555 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 Pembroke Pines 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$1672,555$426,700
Additional Upgrades & Added Features$2092,555$533,375
Major Home Updates or Advancements$2512,555$640,050

It's important to understand that when you estimate your replacement cost of your home in the 33028 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 33028

Best Home & Auto Insurance Agencies in 33028

State Farm Insurance Seguros De Auto Carro Vida

Address: 2206 N Flamingo Rd Hollywood, FL 33028

Allstate Insurance Company - Alejandro Toral

Address: 1951 Northwest 150th Avenue Pembroke Pines, FL 33028

Louise, Bernstein 33024 - State Farm Insurance Seguros De Carro Vida Salud

Address: 15843 Pines Boulevard Pembroke Pines, FL 33028

Housing Demographics for 33028

Population Review for 33028 Zip Code

For the city of Pembroke Pines, the population within 33028 has increased to over 28,755 residents in population size. The current population total is 28,140. We have broken down the population based on race below. In 33028, there are over 13560 in male population and 14580 females.

Total Population28,140
White Population8491
Black Population4698
Hispanic Population13732
Asian Population2789
Hawaiian Population13
Indian Population114
Other Population2695
Male Population13560
Female Population14580
Population Estimate28755

Household Data for 33028

The average number of homes in 33028 is around 8,984, there are an average of 3.13 per household. The average house value according to local real estate values is around $426,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,984
Persons Per Household3.13
Average House Value$426,700
Income Per Household$107412
Median Age40.1
Median Age Male38.3
Median Age Female41.5
33028 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationPEMBROKE PNES
Area Code954
CityPembroke Pines
County FIPS011
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
PMSA_NameFort Lauderdale, FL PMSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses695
Number Of Employees6453
Business First Quarter Payroll79711
Business Annual Payroll377455
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5564635
CBSA Division Population1748066
Congressional District25
Congressional LandArea3232.71
Delivery Residential9187
Delivery Business253
Delivery Total13220
Preferred Last Line KeyY22677
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameFort Lauderdale-Pompano Beach-Sunrise, FL
City State KeyY22677
Land Area5.747000
Water Area0.183000
City Alias Code
City Mixed CasePembroke Pines
City Alias Mixed CasePembroke Pines
Box Count0
State ANSI12
County ANSI011
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113990
Unique ZIP Name
SSA State County Code10050
Medicare CBSA Code22744
Medicare CBSA NameFort Lauderdale-Pompano Beach-Sunrise, FL
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseBroward

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 […]