Get multiple home insurance quotes in 33412. Our licensed 33412, FL agents are ready to serve you.

33412 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 33412? Our rates are very competitive for homeowners living in West Palm Beach, FL. Many homeowners based out of your 33412 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33412 should appear in the zip code field ready to go. For West Palm Beach, FL Home Insurance Rate Quotes click to review the best rates and service online!

33412 Average Premium is Rated: Very High!

Homeowners living in 33412 can easily save up to 40% off the average home insurance premium of $1711 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in West Palm Beach that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 33412 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 33412!

33412 Home Insurance Average Premiums

Local 33412 homeowners insurance quotes comparison

$1461 /yr.

Shows Zip Code: 33412 lowest rates with discounts applied on average.

For the 33412, 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)
$1461 /yr.
Average Coverage:$1711 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2011 /yr.

What is the average home insurance cost for a home in 33412?

  • • The average homeowners insurance premium paid annually for a home in 33412 is around $1711 per year.

What does it cost on average per month for home insurance in 33412?

  • • Homeowners in 33412 pay a monthly average cost per month around $143.00.

What kind of discount could I get if I combine my home and auto insurance together in 33412?

  • • Autoowners in 33412 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 33412.
Review average rates in another zip code:
33415 homeowners insurance rates
33409 homeowners insurance rates
33407 homeowners insurance rates
33406 homeowners insurance rates
33412 homeowners insurance rates
33417 homeowners insurance rates
33401 homeowners insurance rates
33403 homeowners insurance rates
33411 homeowners insurance rates
33405 homeowners insurance rates

Home Replacement Cost Coverage in 33412

Average Building Cost Per Square Foot in 33412: $167

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

Average Square Footage in 33412: 2,534 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33412 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 33412 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 33412 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,534 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$1672,534$423,200
Additional Upgrades & Added Features$2092,534$529,000
Major Home Updates or Advancements$2512,534$634,800

It's important to understand that when you estimate your replacement cost of your home in the 33412 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 33412

Best Home & Auto Insurance Agencies in 33412

Housing Demographics for 33412

Population Review for 33412 Zip Code

For the city of West Palm Beach, the population within 33412 has increased to over 18,830 residents in population size. The current population total is 15,872. We have broken down the population based on race below. In 33412, there are over 7919 in male population and 7953 females.

Total Population15,872
White Population10946
Black Population1676
Hispanic Population2483
Asian Population679
Hawaiian Population12
Indian Population45
Other Population539
Male Population7919
Female Population7953
Population Estimate18830

Household Data for 33412

The average number of homes in 33412 is around 5,954, there are an average of 2.66 per household. The average house value according to local real estate values is around $423,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,954
Persons Per Household2.66
Average House Value$423,200
Income Per Household$107822
Median Age50.9
Median Age Male50.5
Median Age Female51.3
33412 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 Businesses394
Number Of Employees2250
Business First Quarter Payroll28587
Business Annual Payroll119254
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 District21
Congressional LandArea260.97
Delivery Residential7079
Delivery Business90
Delivery Total13541
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 Area59.321000
Water Area0.337000
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

  • 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 […]