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Home Insurance in 33070

One of the best ways to save money on your homeowners insurance policy in the 33070 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Tavernier, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 33070 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 33070

Find Tavernier, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 33070

According to industry data, homeowners located in Tavernier pay roughly $1630 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 33070 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 33070 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 33070 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 33070.

Let us find you a great policy at an affordable price, get 33070 homeowners insurance quotes now.

33070 Home Insurance Average Premiums

Local 33070 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 33070 lowest rates with discounts applied on average.

For the 33070, 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 33070?

  • • The average homeowners insurance premium paid annually for a home in 33070 is around $1630 per year.

What does it cost on average per month for home insurance in 33070?

  • • Homeowners in 33070 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 33070?

  • • Autoowners in 33070 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 Tavernier area, check out other zip codes nearby 33070.
Review average rates in another zip code:
33070 homeowners insurance rates

Home Replacement Cost Coverage in 33070

Average Building Cost Per Square Foot in 33070: $167

Location: Tavernier, Florida (Monroe County)

Average Square Footage in 33070: 3,623 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33070 before you start any project. Tavernier 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 33070 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 33070 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,623 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 Tavernier 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$1673,623$605,000
Additional Upgrades & Added Features$2093,623$756,250
Major Home Updates or Advancements$2513,623$907,500

It's important to understand that when you estimate your replacement cost of your home in the 33070 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 33070

Best Home & Auto Insurance Agencies in 33070

Housing Demographics for 33070

Population Review for 33070 Zip Code

For the city of Tavernier, the population within 33070 has increased to over 7,624 residents in population size. The current population total is 6,220. We have broken down the population based on race below. In 33070, there are over 3166 in male population and 3054 females.

PopulationValues
Total Population6,220
White Population4932
Black Population61
Hispanic Population1363
Asian Population51
Hawaiian Population1
Indian Population19
Other Population234
Male Population3166
Female Population3054
Population Estimate7624

Household Data for 33070

The average number of homes in 33070 is around 2,737, there are an average of 2.24 per household. The average house value according to local real estate values is around $605,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,737
Persons Per Household2.24
Average House Value$605,000
Income Per Household$65933
Median Age52.2
Median Age Male52.4
Median Age Female52.0
33070 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305
CityTavernier
City Alias NameTAVERNIER
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 Businesses310
Number Of Employees1887
Business First Quarter Payroll23663
Business Annual Payroll109035
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 Residential3404
Delivery Business264
Delivery Total5843
Preferred Last Line KeyY23089
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_Name
City State KeyY23089
Land Area4.231000
Water Area11.332000
City Alias Code
City Mixed CaseTavernier
City Alias Mixed CaseTavernier
Box Count373
SFDU2848
MFDU296
State ANSI12
County ANSI087
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number118985
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

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    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

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  • 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 […]

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    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. […]