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Searching for Homeowners Insurance in 33405

If you are a homeowners that lives in 33405 you may be searching for more affordable homeowners insurance in West Palm Beach. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help. makes shopping your insurance policy quick and easy for residents of West Palm Beach, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

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Get 33405 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.

Check Out 33405 Home Insurance Costs: very high!

In West Palm Beach, homeowners are paying roughly $1647 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 33405 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in West Palm Beach are saving up to 40 percent on their policy costs by using

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33405 Home Insurance Average Premiums

Local 33405 homeowners insurance quotes comparison

$1397 /yr.

Shows Zip Code: 33405 lowest rates with discounts applied on average.

For the 33405, 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)
$1397 /yr.
Average Coverage:$1647 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1947 /yr.

What is the average home insurance cost for a home in 33405?

  • • The average homeowners insurance premium paid annually for a home in 33405 is around $1647 per year.

What does it cost on average per month for home insurance in 33405?

  • • Homeowners in 33405 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 33405?

  • • Autoowners in 33405 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 33405.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33405

Average Building Cost Per Square Foot in 33405: $167

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

Average Square Footage in 33405: 1,831 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33405 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 33405 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 33405 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,831 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$1671,831$305,700
Additional Upgrades & Added Features$2091,831$382,125
Major Home Updates or Advancements$2511,831$458,550

It's important to understand that when you estimate your replacement cost of your home in the 33405 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 33405

Best Home & Auto Insurance Agencies in 33405

Allstate Insurance Companies

Address: 5100 S Dixie Hwy, #1 West Palm Beach, FL 33405
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Allstate Insurance Company - Josefina Teran

Address: 5100 S Dixie Hwy West Palm Beach, FL 33405

Arista Insurance Advisors

Address: 5902 S Dixie Hwy West Palm Beach, FL 33405

Nodarse, Maria M - Allstate

Address: 240 Forest Hill Blvd West Palm Beach, FL 33405

Housing Demographics for 33405

Population Review for 33405 Zip Code

For the city of West Palm Beach, the population within 33405 has increased to over 20,596 residents in population size. The current population total is 19,369. We have broken down the population based on race below. In 33405, there are over 9673 in male population and 9696 females.

Total Population19,369
White Population9851
Black Population1027
Hispanic Population9961
Asian Population254
Hawaiian Population13
Indian Population299
Other Population3414
Male Population9673
Female Population9696
Population Estimate20596

Household Data for 33405

The average number of homes in 33405 is around 7,637, there are an average of 2.53 per household. The average house value according to local real estate values is around $305,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,637
Persons Per Household2.53
Average House Value$305,700
Income Per Household$68079
Median Age40.8
Median Age Male40.0
Median Age Female41.7
33405 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 Businesses824
Number Of Employees5945
Business First Quarter Payroll56043
Business Annual Payroll254737
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 Residential8141
Delivery Business949
Delivery Total12033
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 Area4.511000
Water Area0.536000
City Alias Code
City Mixed CaseWest Palm Beach
City Alias Mixed CaseWest Palm Beach
Box Count59
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’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 […]

  • 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: […]