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Compare 33431 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 33431 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,562/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 33431 zip code, the population size is around 22,047 with 7,439 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 33431.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Boca Raton, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

33431 Home Insurance Average Premiums

Local 33431 homeowners insurance quotes comparison

$1312 /yr.

Shows Zip Code: 33431 lowest rates with discounts applied on average.

For the 33431, 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)
$1312 /yr.
Average Coverage:$1562 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1862 /yr.

What is the average home insurance cost for a home in 33431?

  • • The average homeowners insurance premium paid annually for a home in 33431 is around $1562 per year.

What does it cost on average per month for home insurance in 33431?

  • • Homeowners in 33431 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 33431?

  • • Autoowners in 33431 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 Boca Raton area, check out other zip codes nearby 33431.
Review average rates in another zip code:
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33431 homeowners insurance rates

Home Replacement Cost Coverage in 33431

Average Building Cost Per Square Foot in 33431: $167

Location: Boca Raton, Florida (Palm Beach County)

Average Square Footage in 33431: 2,604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33431 before you start any project. Boca Raton 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 33431 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 33431 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,604 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 Boca Raton 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$1672,604$434,800
Additional Upgrades & Added Features$2092,604$543,500
Major Home Updates or Advancements$2512,604$652,200

It's important to understand that when you estimate your replacement cost of your home in the 33431 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 33431

Century Advisory Services

Address: 185 Nw Spanish River Blvd Boca Raton, FL 33431
Phone: (561)362-0111

Connor Insurance Group

Address: 2300 Glades Road Boca Raton, FL 33431
Phone: (561)750-1710

Atlantic Pacific Insurance of Florida

Address: 450 Northeast 20th Street Suite 101 Boca Raton, FL 33431
Phone: (561)394-9441

Best Home & Auto Insurance Agencies in 33431

Bankers Life & Casualty Company

Address: 141 NW 20th St Boca Raton, FL 33431

John P Furey Company

Address: 500 NE Spanish River Blvd Boca Raton, FL 33431

Allstate Insurance Companies

Address: 190 NW Spanish River Blvd Boca Raton, FL 33431
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Tighe, Chris - State Farm Insurance Auto Car Life 33431

Address: 166 NW 51st St Boca Raton, FL 33431

Allstate Insurance

Address: 2884 N Federal Hwy Boca Raton, FL 33431

Housing Demographics for 33431

Population Review for 33431 Zip Code

For the city of Boca Raton, the population within 33431 has increased to over 19,338 residents in population size. The current population total is 22,047. We have broken down the population based on race below. In 33431, there are over 10401 in male population and 11646 females.

Total Population22,047
White Population15712
Black Population2189
Hispanic Population3282
Asian Population749
Hawaiian Population15
Indian Population66
Other Population851
Male Population10401
Female Population11646
Population Estimate19338

Household Data for 33431

The average number of homes in 33431 is around 7,439, there are an average of 2.25 per household. The average house value according to local real estate values is around $434,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,439
Persons Per Household2.25
Average House Value$434,800
Income Per Household$93636
Median Age33.3
Median Age Male33.7
Median Age Female32.9
33431 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code561
CityBoca Raton
City Alias NameBOCA RATON
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 Businesses2893
Number Of Employees35557
Business First Quarter Payroll629408
Business Annual Payroll2589278
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 District23
Congressional LandArea169.1
Delivery Residential8595
Delivery Business2448
Delivery Total11605
Preferred Last Line KeyY21477
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY21477
Land Area8.332000
Water Area0.817000
City Alias Code
City Mixed CaseBoca Raton
City Alias Mixed CaseBoca Raton
Box Count0
State ANSI12
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number110855
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: […]