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33037 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 33037 zip code it's important to know that our rates are very competitive for homeowners living in Key Largo, FL. Many homeowners based out of your 33037 area have found it very easy to shop with For example, 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 the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33037 should appear in the zip code field ready to go. For Key Largo, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

33037: Average Home Insurance Rates

For homeowners living in the great city of Key Largo, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1514 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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33037 Home Insurance Average Premiums

Local 33037 homeowners insurance quotes comparison

$1264 /yr.

Shows Zip Code: 33037 lowest rates with discounts applied on average.

For the 33037, 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)
$1264 /yr.
Average Coverage:$1514 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1814 /yr.

What is the average home insurance cost for a home in 33037?

  • • The average homeowners insurance premium paid annually for a home in 33037 is around $1514 per year.

What does it cost on average per month for home insurance in 33037?

  • • Homeowners in 33037 pay a monthly average cost per month around $126.00.

What kind of discount could I get if I combine my home and auto insurance together in 33037?

  • • Autoowners in 33037 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 Key Largo area, check out other zip codes nearby 33037.
Review average rates in another zip code:
33037 homeowners insurance rates

Home Replacement Cost Coverage in 33037

Average Building Cost Per Square Foot in 33037: $167

Location: Key Largo, Florida (Monroe County)

Average Square Footage in 33037: 3,365 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33037 before you start any project. Key Largo 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 33037 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 33037 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,365 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 Key Largo 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$1673,365$562,000
Additional Upgrades & Added Features$2093,365$702,500
Major Home Updates or Advancements$2513,365$843,000

It's important to understand that when you estimate your replacement cost of your home in the 33037 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 33037

Best Home & Auto Insurance Agencies in 33037

Housing Demographics for 33037

Population Review for 33037 Zip Code

For the city of Key Largo, the population within 33037 has increased to over 18,943 residents in population size. The current population total is 13,875. We have broken down the population based on race below. In 33037, there are over 6997 in male population and 6878 females.

Total Population13,875
White Population10169
Black Population229
Hispanic Population3803
Asian Population128
Hawaiian Population9
Indian Population51
Other Population590
Male Population6997
Female Population6878
Population Estimate18943

Household Data for 33037

The average number of homes in 33037 is around 6,235, there are an average of 2.22 per household. The average house value according to local real estate values is around $562,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,235
Persons Per Household2.22
Average House Value$562,000
Income Per Household$67236
Median Age53.2
Median Age Male54.0
Median Age Female52.5
33037 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305
CityKey Largo
City Alias NameKEY LARGO
County FIPS087
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameKey West-Key Largo, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses664
Number Of Employees6283
Business First Quarter Payroll60636
Business Annual Payroll275065
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 Residential8533
Delivery Business567
Delivery Total9954
Preferred Last Line KeyY22166
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY22166
Land Area32.913000
Water Area87.851000
City Alias Code
City Mixed CaseKey Largo
City Alias Mixed CaseKey Largo
Box Count584
State ANSI12
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number114585
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

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 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 […]