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Check Out 33305 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Fort Lauderdale, FL.

We will gather some basic information about your home in Fort Lauderdale, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 33305 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 33305

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Fort Lauderdale, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

33305 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 33305 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1629. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 33305 homeowners insurance policy!

33305 Home Insurance Average Premiums

Local 33305 homeowners insurance quotes comparison

$1379 /yr.

Shows Zip Code: 33305 lowest rates with discounts applied on average.

For the 33305, 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)
$1379 /yr.
Average Coverage:$1629 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1929 /yr.

What is the average home insurance cost for a home in 33305?

  • • The average homeowners insurance premium paid annually for a home in 33305 is around $1629 per year.

What does it cost on average per month for home insurance in 33305?

  • • Homeowners in 33305 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 33305?

  • • Autoowners in 33305 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 33305.
Review average rates in another zip code:
33330 homeowners insurance rates
33308 homeowners insurance rates
33309 homeowners insurance rates
33317 homeowners insurance rates
33334 homeowners insurance rates
33313 homeowners insurance rates
33351 homeowners insurance rates
33332 homeowners insurance rates
33326 homeowners insurance rates
33322 homeowners insurance rates

Home Replacement Cost Coverage in 33305

Average Building Cost Per Square Foot in 33305: $167

Location: Fort Lauderdale, Florida (Broward County)

Average Square Footage in 33305: 2,715 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33305 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 33305 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 33305 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,715 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$1672,715$453,400
Additional Upgrades & Added Features$2092,715$566,750
Major Home Updates or Advancements$2512,715$680,100

It's important to understand that when you estimate your replacement cost of your home in the 33305 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 33305

Best Home & Auto Insurance Agencies in 33305

Allstate

Address: 1410 Northeast 26th Street Wilton Manors, FL 33305
Phone:
Website: http://www.allstateagencies.com/PIZNAGA1/Welcome/
Info:

Housing Demographics for 33305

Population Review for 33305 Zip Code

For the city of Fort Lauderdale, the population within 33305 has increased to over 12,316 residents in population size. The current population total is 12,044. We have broken down the population based on race below. In 33305, there are over 7553 in male population and 4491 females.

PopulationValues
Total Population12,044
White Population9224
Black Population642
Hispanic Population1818
Asian Population314
Hawaiian Population2
Indian Population33
Other Population409
Male Population7553
Female Population4491
Population Estimate12316

Household Data for 33305

The average number of homes in 33305 is around 6,676, there are an average of 1.79 per household. The average house value according to local real estate values is around $453,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,676
Persons Per Household1.79
Average House Value$453,400
Income Per Household$85800
Median Age52.4
Median Age Male53.4
Median Age Female49.7
33305 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationFT LAUDERDALE
Area Code954
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 Businesses626
Number Of Employees4589
Business First Quarter Payroll41292
Business Annual Payroll191352
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 District20|23
Congressional LandArea2427.42|169.1
Delivery Residential6881
Delivery Business486
Delivery Total8199
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 Area2.196000
Water Area0.172000
City Alias Code
City Mixed CaseFort Lauderdale
City Alias Mixed CaseFort Lauderdale
Box Count0
SFDU3610
MFDU2699
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

  • 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 […]