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Are you paying too much for homeowners insurance in 33304? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Fort Lauderdale, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 33304?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 33304 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 33304 and get ready to save.

3 Easy Ways To Save Money In 33304

These three links will help you explore home insurance quotes in 33304 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 33304 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Fort Lauderdale is roughly $1672. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 33304 Homeowners Insurance Rates Right Now!

33304 Home Insurance Average Premiums

Local 33304 homeowners insurance quotes comparison

$1422 /yr.

Shows Zip Code: 33304 lowest rates with discounts applied on average.

For the 33304, 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)
$1422 /yr.
Average Coverage:$1672 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1972 /yr.

What is the average home insurance cost for a home in 33304?

  • • The average homeowners insurance premium paid annually for a home in 33304 is around $1672 per year.

What does it cost on average per month for home insurance in 33304?

  • • Homeowners in 33304 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 33304?

  • • Autoowners in 33304 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 Fort Lauderdale area, check out other zip codes nearby 33304.
Review average rates in another zip code:
33312 homeowners insurance rates
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33330 homeowners insurance rates
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33309 homeowners insurance rates
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33322 homeowners insurance rates
33313 homeowners insurance rates
33308 homeowners insurance rates

Home Replacement Cost Coverage in 33304

Average Building Cost Per Square Foot in 33304: $167

Location: Fort Lauderdale, Florida (Broward County)

Average Square Footage in 33304: 2,787 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33304 before you start any project. Fort Lauderdale 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 33304 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 33304 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,787 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 Fort Lauderdale 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$1672,787$465,500
Additional Upgrades & Added Features$2092,787$581,875
Major Home Updates or Advancements$2512,787$698,250

It's important to understand that when you estimate your replacement cost of your home in the 33304 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 33304

Assurance Insurance Agency

Address: 504 East Sunrise Boulevard Fort Lauderdale, FL 33304
Phone: (954)467-0091
Website:

Best Home & Auto Insurance Agencies in 33304

Allstate Insurance - Linda Oliver

Address: 1040 Bayview Dr, #130 Fort Lauderdale, FL 33304
Phone:
Website:
Info:

Assurance Insurance Agency

Address: 504 E Sunrise Blvd Fort Lauderdale, FL 33304
Phone:
Website:
Info:

Allstate Insurance - Michael J. Oliver

Address: 1040 Bayview Dr, #Dr-130 Fort Lauderdale, FL 33304
Phone:
Website:
Info:

Allstate Insurance - William Weller

Address: 922 N Federal Hwy Fort Lauderdale, FL 33304
Phone:
Website:
Info:

Housing Demographics for 33304

Population Review for 33304 Zip Code

For the city of Fort Lauderdale, the population within 33304 has increased to over 22,264 residents in population size. The current population total is 19,978. We have broken down the population based on race below. In 33304, there are over 11187 in male population and 8791 females.

PopulationValues
Total Population19,978
White Population13112
Black Population2578
Hispanic Population3709
Asian Population537
Hawaiian Population15
Indian Population77
Other Population1041
Male Population11187
Female Population8791
Population Estimate22264

Household Data for 33304

The average number of homes in 33304 is around 11,209, there are an average of 1.77 per household. The average house value according to local real estate values is around $465,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,209
Persons Per Household1.77
Average House Value$465,500
Income Per Household$69343
Median Age46.0
Median Age Male47.5
Median Age Female43.9
33304 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationFT LAUDERDALE
Area Code954/305/786
CityFort Lauderdale
City Alias NameFORT LAUDERDALE
CountyBroward
County FIPS011
State FIPS12
Time Zone5
Day Light SavingY
MSA4992
PMSA2680
CSA370
CBSA33100
CBSA_DIV22744
CBSA_TypeMetro
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
PMSA_NameFort Lauderdale, FL PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1270
Number Of Employees10534
Business First Quarter Payroll100236
Business Annual Payroll490050
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 District23
Congressional LandArea169.1
Delivery Residential12579
Delivery Business1054
Delivery Total13494
Preferred Last Line KeyY21882
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameFort Lauderdale-Pompano Beach-Sunrise, FL
City State KeyY21882
Land Area3.121000
Water Area0.673000
City Alias Code
City Mixed CaseFort Lauderdale
City Alias Mixed CaseFort Lauderdale
Box Count0
SFDU3687
MFDU7970
State ANSI12
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113030
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

  • 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 […]