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Home Insurance Quotes in 33051

Are you shopping for a cheaper homeowners insurance rate in 33051? Our rates are very competitive for homeowners living in Key Colony Beach, FL. Many homeowners located in the 33051 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 33051. To get free 33051 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33051 zip code should appear in the zip code field ready to go. Shopping Key Colony Beach, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 33051 to review the best rate coverages.

Your 33051 Home Insurance Costs Is Rated: Very High!

For the great city of Key Colony Beach, the average home insurance premium paid annually is around $1549 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Key Colony Beach and need insurance on your home in the 33051 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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33051 Home Insurance Average Premiums

Local 33051 homeowners insurance quotes comparison

$1299 /yr.

Shows Zip Code: 33051 lowest rates with discounts applied on average.

For the 33051, 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)
$1299 /yr.
Average Coverage:$1549 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1849 /yr.

What is the average home insurance cost for a home in 33051?

  • • The average homeowners insurance premium paid annually for a home in 33051 is around $1549 per year.

What does it cost on average per month for home insurance in 33051?

  • • Homeowners in 33051 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 33051?

  • • Autoowners in 33051 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 Colony Beach area, check out other zip codes nearby 33051.
Review average rates in another zip code:
33051 homeowners insurance rates

Home Replacement Cost Coverage in 33051

Average Building Cost Per Square Foot in 33051: $167

Location: Key Colony Beach, Florida (Monroe County)

Average Square Footage in 33051: 3,442 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33051 before you start any project. Key Colony Beach 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 33051 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 33051 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,442 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 Colony Beach 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$1673,442$574,800
Additional Upgrades & Added Features$2093,442$718,500
Major Home Updates or Advancements$2513,442$862,200

It's important to understand that when you estimate your replacement cost of your home in the 33051 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 33051

Best Home & Auto Insurance Agencies in 33051

Housing Demographics for 33051

Population Review for 33051 Zip Code

For the city of Key Colony Beach, the population within 33051 has increased to over 0 residents in population size. The current population total is 790. We have broken down the population based on race below. In 33051, there are over 391 in male population and 399 females.

Total Population790
White Population688
Black Population21
Hispanic Population102
Asian Population7
Hawaiian Population1
Indian Population0
Other Population13
Male Population391
Female Population399
Population Estimate0

Household Data for 33051

The average number of homes in 33051 is around 411, there are an average of 1.86 per household. The average house value according to local real estate values is around $574,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode411
Persons Per Household1.86
Average House Value$574,800
Income Per Household$94485
Median Age63.0
Median Age Male64.0
Median Age Female62.3
33051 DetailsValues
State Full NameFlorida
City TypeZ
City Alias AbbreviationKEY COL BCH
Area Code305/786
CityKey Colony Beach
County FIPS087
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameKey West-Key Largo, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses42
Number Of Employees167
Business First Quarter Payroll1463
Business Annual Payroll5482
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 Total2043
Preferred Last Line KeyY22165
Classification CodeP
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY22165
Land Area0.439000
Water Area0.209000
City Alias Code
City Mixed CaseKey Colony Beach
City Alias Mixed CaseKey Colony Beach
Box Count611
State ANSI12
County ANSI087
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number115655
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]