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33328, FL Home Insurance

In the zip code of 33328, the population size is around 28,997, which consists of 10,297 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Fort Lauderdale, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,686 per year for a standard homeowners policy. At, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 33328 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Fort Lauderdale. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-888-685-4704 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Fort Lauderdale, FL Homeowners Insurance Online Rates Today!

33328 Home Insurance Average Premiums

Local 33328 homeowners insurance quotes comparison

$1436 /yr.

Shows Zip Code: 33328 lowest rates with discounts applied on average.

For the 33328, 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)
$1436 /yr.
Average Coverage:$1686 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1986 /yr.

What is the average home insurance cost for a home in 33328?

  • • The average homeowners insurance premium paid annually for a home in 33328 is around $1686 per year.

What does it cost on average per month for home insurance in 33328?

  • • Homeowners in 33328 pay a monthly average cost per month around $141.00.

What kind of discount could I get if I combine my home and auto insurance together in 33328?

  • • Autoowners in 33328 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 33328.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33328

Average Building Cost Per Square Foot in 33328: $167

Location: Fort Lauderdale, Florida (Broward County)

Average Square Footage in 33328: 2,498 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33328 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 33328 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 33328 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,498 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$1672,498$417,100
Additional Upgrades & Added Features$2092,498$521,375
Major Home Updates or Advancements$2512,498$625,650

It's important to understand that when you estimate your replacement cost of your home in the 33328 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 33328

Best Home & Auto Insurance Agencies in 33328

Action Insurance

Address: 4801 S University Dr Davie, FL 33328

Allstate Insurance Company - Miguel Sanchez

Address: 5193 South University Drive Davie, FL 33328

State Farm Insurance Auto Car Life 33328

Address: 4286 South University Drive Davie, FL 33328

Fci Insurance & Tag Service

Address: 8280 Griffin Road Fort Lauderdale, FL 33328

Janet Fernandez State Farm Insurance

Address: 10600 Griffin Road #101 Davie, FL 33328

Housing Demographics for 33328

Population Review for 33328 Zip Code

For the city of Fort Lauderdale, the population within 33328 has increased to over 29,239 residents in population size. The current population total is 28,997. We have broken down the population based on race below. In 33328, there are over 14003 in male population and 14994 females.

Total Population28,997
White Population18007
Black Population1640
Hispanic Population8629
Asian Population1969
Hawaiian Population17
Indian Population93
Other Population1488
Male Population14003
Female Population14994
Population Estimate29239

Household Data for 33328

The average number of homes in 33328 is around 10,297, there are an average of 2.79 per household. The average house value according to local real estate values is around $417,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,297
Persons Per Household2.79
Average House Value$417,100
Income Per Household$108569
Median Age39.6
Median Age Male38.7
Median Age Female40.4
33328 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationFT LAUDERDALE
Area Code954
CityFort Lauderdale
County FIPS011
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
PMSA_NameFort Lauderdale, FL PMSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1141
Number Of Employees8620
Business First Quarter Payroll67369
Business Annual Payroll328491
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 District25
Congressional LandArea3232.71
Delivery Residential10480
Delivery Business773
Delivery Total11510
Preferred Last Line KeyY21882
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameFort Lauderdale-Pompano Beach-Sunrise, FL
City State KeyY21882
Land Area9.144000
Water Area0.097000
City Alias Code
City Mixed CaseFort Lauderdale
City Alias Mixed CaseFort Lauderdale
Box Count0
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 […]