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Home Insurance in 33440

One of the best ways to save money on your homeowners insurance policy in the 33440 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room. is the easiest way to shop for competitive homeowners insurance rates in in Clewiston, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 33440 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 33440

Find Clewiston, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 33440

According to industry data, homeowners located in Clewiston pay roughly $1636 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 33440 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 33440 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 33440 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 33440.

Let us find you a great policy at an affordable price, get 33440 homeowners insurance quotes now.

33440 Home Insurance Average Premiums

Local 33440 homeowners insurance quotes comparison

$1386 /yr.

Shows Zip Code: 33440 lowest rates with discounts applied on average.

For the 33440, 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)
$1386 /yr.
Average Coverage:$1636 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1936 /yr.

What is the average home insurance cost for a home in 33440?

  • • The average homeowners insurance premium paid annually for a home in 33440 is around $1636 per year.

What does it cost on average per month for home insurance in 33440?

  • • Homeowners in 33440 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33440?

  • • Autoowners in 33440 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 Clewiston area, check out other zip codes nearby 33440.
Review average rates in another zip code:
33440 homeowners insurance rates

Home Replacement Cost Coverage in 33440

Average Building Cost Per Square Foot in 33440: $167

Location: Clewiston, Florida (Hendry County)

Average Square Footage in 33440: 606 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33440 before you start any project. Clewiston 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 33440 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 33440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 606 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 Clewiston 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$167606$101,200
Additional Upgrades & Added Features$209606$126,500
Major Home Updates or Advancements$251606$151,800

It's important to understand that when you estimate your replacement cost of your home in the 33440 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 33440

Best Home & Auto Insurance Agencies in 33440

Allstate Insurance Companies

Address: 220 S Berner Rd Clewiston, FL 33440

Housing Demographics for 33440

Population Review for 33440 Zip Code

For the city of Clewiston, the population within 33440 has increased to over 17,648 residents in population size. The current population total is 19,402. We have broken down the population based on race below. In 33440, there are over 9816 in male population and 9586 females.

Total Population19,402
White Population7971
Black Population3659
Hispanic Population10128
Asian Population258
Hawaiian Population4
Indian Population236
Other Population3049
Male Population9816
Female Population9586
Population Estimate17648

Household Data for 33440

The average number of homes in 33440 is around 6,554, there are an average of 2.88 per household. The average house value according to local real estate values is around $101,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,554
Persons Per Household2.88
Average House Value$101,200
Income Per Household$41351
Median Age36.7
Median Age Male36.1
Median Age Female37.2
33440 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
City Alias NameCLEWISTON
County FIPS051
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameClewiston, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses290
Number Of Employees3568
Business First Quarter Payroll37121
Business Annual Payroll165272
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population39140
CBSA Division Population0
Congressional District18|20|26
Congressional LandArea1512.55|2427.42|2098.66
Delivery Residential6128
Delivery Business389
Delivery Total8236
Preferred Last Line KeyY21602
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21602
Land Area725.992000
Water Area6.288000
City Alias Code
City Mixed CaseClewiston
City Alias Mixed CaseClewiston
Box Count1597
State ANSI12
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111710
Unique ZIP Name
SSA State County Code10250
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID25
County Mixed CaseHendry

Florida Homeowners Insurance News & Information

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]