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Find the Best Home Insurance Rates in 33403

Shopping for homeowners insurance in 33403 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in West Palm Beach, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 33403 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 33403

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

33403 Home Insurance Rating is: very high!

In 33403 the average premium is $1671. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 33403, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 33403!

33403 Home Insurance Average Premiums

Local 33403 homeowners insurance quotes comparison

$1421 /yr.

Shows Zip Code: 33403 lowest rates with discounts applied on average.

For the 33403, 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)
$1421 /yr.
Average Coverage:$1671 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1971 /yr.

What is the average home insurance cost for a home in 33403?

  • • The average homeowners insurance premium paid annually for a home in 33403 is around $1671 per year.

What does it cost on average per month for home insurance in 33403?

  • • Homeowners in 33403 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 33403?

  • • Autoowners in 33403 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 33403.
Review average rates in another zip code:
33407 homeowners insurance rates
33409 homeowners insurance rates
33406 homeowners insurance rates
33405 homeowners insurance rates
33412 homeowners insurance rates
33411 homeowners insurance rates
33404 homeowners insurance rates
33413 homeowners insurance rates
33403 homeowners insurance rates
33415 homeowners insurance rates

Home Replacement Cost Coverage in 33403

Average Building Cost Per Square Foot in 33403: $167

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

Average Square Footage in 33403: 1,485 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33403 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 33403 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 33403 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,485 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$1671,485$248,000
Additional Upgrades & Added Features$2091,485$310,000
Major Home Updates or Advancements$2511,485$372,000

It's important to understand that when you estimate your replacement cost of your home in the 33403 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 33403

Apple Insurance Mall

Address: 1244 Northlake Boulevard West Palm Beach, FL 33403
Phone: (561)881-1181
Website:

Best Home & Auto Insurance Agencies in 33403

A Auto Insurance World

Address: 800 Park Ave West Palm Beach, FL 33403
Phone:
Website: http://www.insuranceworld.cc
Info:

Housing Demographics for 33403

Population Review for 33403 Zip Code

For the city of West Palm Beach, the population within 33403 has increased to over 13,777 residents in population size. The current population total is 13,779. We have broken down the population based on race below. In 33403, there are over 6793 in male population and 6986 females.

PopulationValues
Total Population13,779
White Population5317
Black Population6088
Hispanic Population1938
Asian Population422
Hawaiian Population1
Indian Population35
Other Population701
Male Population6793
Female Population6986
Population Estimate13777

Household Data for 33403

The average number of homes in 33403 is around 5,366, there are an average of 2.55 per household. The average house value according to local real estate values is around $248,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,366
Persons Per Household2.55
Average House Value$248,000
Income Per Household$59516
Median Age37.7
Median Age Male36.9
Median Age Female38.6
33403 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationWEST PALM BCH
Area Code561
CityWest Palm Beach
City Alias NameWEST PALM BEACH
CountyPalm Beach
County FIPS099
State FIPS12
Time Zone5
Day Light SavingY
MSA8960
PMSA
CSA370
CBSA33100
CBSA_DIV48424
CBSA_TypeMetro
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameWest Palm Beach-Boca Raton, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses681
Number Of Employees8065
Business First Quarter Payroll79623
Business Annual Payroll352133
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|21
Congressional LandArea2427.42|260.97
Delivery Residential5403
Delivery Business897
Delivery Total6164
Preferred Last Line KeyY23234
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY23234
Land Area3.307000
Water Area0.331000
City Alias Code
City Mixed CaseWest Palm Beach
City Alias Mixed CaseWest Palm Beach
Box Count203
SFDU2869
MFDU891
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 […]