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Quickly Revew Homeowners Insurance in 33404

If you own a home in West Palm Beach, FL you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 33404 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Florida licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 33404 and start comparing rates now.

33404 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 33404 is $1651 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 33404 Home Insurance Rate Quotes Right Now!

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.

33404 Home Insurance Average Premiums

Local 33404 homeowners insurance quotes comparison

$1401 /yr.

Shows Zip Code: 33404 lowest rates with discounts applied on average.

For the 33404, 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)
$1401 /yr.
Average Coverage:$1651 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1951 /yr.

What is the average home insurance cost for a home in 33404?

  • • The average homeowners insurance premium paid annually for a home in 33404 is around $1651 per year.

What does it cost on average per month for home insurance in 33404?

  • • Homeowners in 33404 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 33404?

  • • Autoowners in 33404 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 33404.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33404

Average Building Cost Per Square Foot in 33404: $167

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

Average Square Footage in 33404: 1,295 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33404 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 33404 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 33404 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,295 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$1671,295$216,200
Additional Upgrades & Added Features$2091,295$270,250
Major Home Updates or Advancements$2511,295$324,300

It's important to understand that when you estimate your replacement cost of your home in the 33404 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 33404

Best Home & Auto Insurance Agencies in 33404

Bankers Life and Casualty CO

Address: 2655 N Ocean Dr, #203 West Palm Beach, FL 33404
Phone:
Website:
Info:

All-County Auto Insurance

Address: 1917 U.S. 1 Riviera Beach, FL 33404
Phone:
Website:
Info:

Housing Demographics for 33404

Population Review for 33404 Zip Code

For the city of West Palm Beach, the population within 33404 has increased to over 36,610 residents in population size. The current population total is 31,869. We have broken down the population based on race below. In 33404, there are over 15287 in male population and 16582 females.

PopulationValues
Total Population31,869
White Population8768
Black Population19707
Hispanic Population2752
Asian Population511
Hawaiian Population14
Indian Population97
Other Population837
Male Population15287
Female Population16582
Population Estimate36610

Household Data for 33404

The average number of homes in 33404 is around 12,565, there are an average of 2.50 per household. The average house value according to local real estate values is around $216,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,565
Persons Per Household2.50
Average House Value$216,200
Income Per Household$49433
Median Age41.7
Median Age Male40.3
Median Age Female42.9
33404 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 Businesses1034
Number Of Employees15982
Business First Quarter Payroll199320
Business Annual Payroll889123
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 Residential14644
Delivery Business1294
Delivery Total16983
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 Area7.296000
Water Area2.416000
City Alias Code
City Mixed CaseWest Palm Beach
City Alias Mixed CaseWest Palm Beach
Box Count0
SFDU7315
MFDU4414
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

  • 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 […]