Get multiple home insurance quotes in 33401. Our licensed 33401, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 33401

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 33401, do yourself a favor and get a rate quote from We will provide you with up to 12 quotes for homeowners coverage in West Palm Beach, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 33401 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 33401

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

33401 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in West Palm Beach we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 33401, homeowners are seeing rates around 1604 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 33401!

33401 Home Insurance Average Premiums

Local 33401 homeowners insurance quotes comparison

$1354 /yr.

Shows Zip Code: 33401 lowest rates with discounts applied on average.

For the 33401, 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)
$1354 /yr.
Average Coverage:$1604 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1904 /yr.

What is the average home insurance cost for a home in 33401?

  • • The average homeowners insurance premium paid annually for a home in 33401 is around $1604 per year.

What does it cost on average per month for home insurance in 33401?

  • • Homeowners in 33401 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33401?

  • • Autoowners in 33401 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 West Palm Beach area, check out other zip codes nearby 33401.
Review average rates in another zip code:
33413 homeowners insurance rates
33406 homeowners insurance rates
33404 homeowners insurance rates
33403 homeowners insurance rates
33411 homeowners insurance rates
33412 homeowners insurance rates
33407 homeowners insurance rates
33417 homeowners insurance rates
33405 homeowners insurance rates
33415 homeowners insurance rates

Home Replacement Cost Coverage in 33401

Average Building Cost Per Square Foot in 33401: $167

Location: West Palm Beach, Florida (Palm Beach County)

Average Square Footage in 33401: 1,783 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33401 before you start any project. West Palm 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 33401 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 33401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,783 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 West Palm 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$1671,783$297,700
Additional Upgrades & Added Features$2091,783$372,125
Major Home Updates or Advancements$2511,783$446,550

It's important to understand that when you estimate your replacement cost of your home in the 33401 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 33401

Allstate Insurance Company

Address: 2127 10th Avenue North West Palm Beach, FL 33401
Phone: (561)585-6363

All In One Insurance

Address: 6795 Stirling Rd Davie, FL 33401
Phone: (561)832-8282

Celedinas Agency Inc

Address: 1315 North Dixie Highway West Palm Beach, FL 33401
Phone: (561)588-7304

Best Home & Auto Insurance Agencies in 33401

M & M Insurance

Address: 1784 N Congress Ave West Palm Beach, FL 33401

Allstate Insurance Companies

Address: 1655 Palm Beach Lakes Blvd West Palm Beach, FL 33401

Allstate Insurance Company - Debra Piescik

Address: 222 Datura St West Palm Beach, FL 33401

Mc Donald, Ray - Florida United Insurance

Address: 1649 Forum Pl West Palm Beach, FL 33401

Housing Demographics for 33401

Population Review for 33401 Zip Code

For the city of West Palm Beach, the population within 33401 has increased to over 33,602 residents in population size. The current population total is 31,302. We have broken down the population based on race below. In 33401, there are over 14853 in male population and 16449 females.

Total Population31,302
White Population14906
Black Population10387
Hispanic Population5403
Asian Population724
Hawaiian Population5
Indian Population122
Other Population1917
Male Population14853
Female Population16449
Population Estimate33602

Household Data for 33401

The average number of homes in 33401 is around 15,607, there are an average of 1.94 per household. The average house value according to local real estate values is around $297,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,607
Persons Per Household1.94
Average House Value$297,700
Income Per Household$49554
Median Age40.2
Median Age Male39.2
Median Age Female41.4
33401 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationWEST PALM BCH
Area Code561
CityWest Palm Beach
CountyPalm Beach
County FIPS099
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameWest Palm Beach-Boca Raton, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses2358
Number Of Employees30623
Business First Quarter Payroll635455
Business Annual Payroll2588159
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 Population1320134
Congressional District20|22
Congressional LandArea2427.42|172.88
Delivery Residential17321
Delivery Business2253
Delivery Total19177
Preferred Last Line KeyY23234
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY23234
Land Area5.075000
Water Area1.886000
City Alias Code
City Mixed CaseWest Palm Beach
City Alias Mixed CaseWest Palm Beach
Box Count0
State ANSI12
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119465
Unique ZIP Name
SSA State County Code10490
Medicare CBSA Code48424
Medicare CBSA NameWest Palm Beach-Boca Raton-Boynton Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID50
County Mixed CasePalm Beach

Florida Homeowners Insurance News & Information

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]