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Homeowners Insurance in 33408

Getting the most affordable home insurance rates in 33408 just got easier for North Palm Beach, FL home insurance shoppers who want to shop online at We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of North Palm Beach. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For North Palm Beach, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 33408

When discussing Florida homeowners insurance rates, North Palm Beach residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 33408 zipcode are currently paying $1593 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in North Palm Beach does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

33408 Home Insurance Average Premiums

Local 33408 homeowners insurance quotes comparison

$1343 /yr.

Shows Zip Code: 33408 lowest rates with discounts applied on average.

For the 33408, 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)
$1343 /yr.
Average Coverage:$1593 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1893 /yr.

What is the average home insurance cost for a home in 33408?

  • • The average homeowners insurance premium paid annually for a home in 33408 is around $1593 per year.

What does it cost on average per month for home insurance in 33408?

  • • Homeowners in 33408 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33408?

  • • Autoowners in 33408 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 North Palm Beach area, check out other zip codes nearby 33408.
Review average rates in another zip code:
33408 homeowners insurance rates

Home Replacement Cost Coverage in 33408

Average Building Cost Per Square Foot in 33408: $167

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

Average Square Footage in 33408: 2,359 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33408 before you start any project. North 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 33408 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 33408 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,359 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 North 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$1672,359$394,000
Additional Upgrades & Added Features$2092,359$492,500
Major Home Updates or Advancements$2512,359$591,000

It's important to understand that when you estimate your replacement cost of your home in the 33408 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 33408

Best Home & Auto Insurance Agencies in 33408

Allstate Insurance-Huey Insurance Agency

Address: 12222 US-1 North Palm Beach, FL 33408
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,

A All Insurance Inc

Address: 787 Northlake Blvd North Palm Beach, FL 33408

Bie Insurance Agency Inc

Address: 513 US-1 North Palm Beach, FL 33408

Allstate Insurance - Mcmullin Insurance- Inc.

Address: 515 Northlake Blvd North Palm Beach, FL 33408

Housing Demographics for 33408

Population Review for 33408 Zip Code

For the city of North Palm Beach, the population within 33408 has increased to over 21,832 residents in population size. The current population total is 18,965. We have broken down the population based on race below. In 33408, there are over 9134 in male population and 9831 females.

Total Population18,965
White Population16466
Black Population367
Hispanic Population1643
Asian Population312
Hawaiian Population12
Indian Population36
Other Population387
Male Population9134
Female Population9831
Population Estimate21832

Household Data for 33408

The average number of homes in 33408 is around 9,532, there are an average of 1.93 per household. The average house value according to local real estate values is around $394,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,532
Persons Per Household1.93
Average House Value$394,000
Income Per Household$82162
Median Age58.6
Median Age Male57.6
Median Age Female59.6
33408 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationN PALM BEACH
Area Code561
CityNorth 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 Businesses1201
Number Of Employees13883
Business First Quarter Payroll612689
Business Annual Payroll1567043
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 Residential11312
Delivery Business1151
Delivery Total15776
Preferred Last Line KeyY22539
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY22539
Land Area6.802000
Water Area3.907000
City Alias Code
City Mixed CaseNorth Palm Beach
City Alias Mixed CaseNorth Palm Beach
Box Count103
State ANSI12
County ANSI099
ZIP Intro
Alias Intro
Facility CodeB
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 […]