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Find the Best Home Insurance Rates in 33445

Shopping for homeowners insurance in 33445 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Delray Beach, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 33445 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 33445

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

33445 Home Insurance Rating is: very high!

In 33445 the average premium is $1587. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 33445, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 33445!

33445 Home Insurance Average Premiums

Local 33445 homeowners insurance quotes comparison

$1337 /yr.

Shows Zip Code: 33445 lowest rates with discounts applied on average.

For the 33445, 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)
$1337 /yr.
Average Coverage:$1587 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1887 /yr.

What is the average home insurance cost for a home in 33445?

  • • The average homeowners insurance premium paid annually for a home in 33445 is around $1587 per year.

What does it cost on average per month for home insurance in 33445?

  • • Homeowners in 33445 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 33445?

  • • Autoowners in 33445 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 Delray Beach area, check out other zip codes nearby 33445.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33445

Average Building Cost Per Square Foot in 33445: $167

Location: Delray Beach, Florida (Palm Beach County)

Average Square Footage in 33445: 1,411 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33445 before you start any project. Delray 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 33445 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 33445 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,411 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 Delray 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$1671,411$235,600
Additional Upgrades & Added Features$2091,411$294,500
Major Home Updates or Advancements$2511,411$353,400

It's important to understand that when you estimate your replacement cost of your home in the 33445 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 33445

Atlantic Insurance Agency

Address: 4723 West Atlantic Avenue Delray Beach, FL 33445
Phone: (561)638-0030

Best Home & Auto Insurance Agencies in 33445

Warren Sam - Allstate Insurance Company

Address: 4205 W Atlantic Ave, Ste 103A Delray Beach, FL 33445

Allstate Insurance Companies - Sales Office- Delray Beach

Address: 601 N Congress Ave, #421 Delray Beach, FL 33445
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,

Sheiman, Paul - Insurance World

Address: 120 S Congress Ave Delray Beach, FL 33445

Allstate Insurance Companies

Address: 601 N Congress Ave Delray Beach, FL 33445
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,

Bottey, Michael G - Allstate

Address: 4975 W Atlantic Ave Delray Beach, FL 33445

Housing Demographics for 33445

Population Review for 33445 Zip Code

For the city of Delray Beach, the population within 33445 has increased to over 33,966 residents in population size. The current population total is 32,265. We have broken down the population based on race below. In 33445, there are over 15200 in male population and 17065 females.

Total Population32,265
White Population20441
Black Population6623
Hispanic Population4049
Asian Population782
Hawaiian Population10
Indian Population85
Other Population1176
Male Population15200
Female Population17065
Population Estimate33966

Household Data for 33445

The average number of homes in 33445 is around 15,350, there are an average of 2.07 per household. The average house value according to local real estate values is around $235,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,350
Persons Per Household2.07
Average House Value$235,600
Income Per Household$58948
Median Age51.4
Median Age Male48.7
Median Age Female54.1
33445 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code561
CityDelray 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 Businesses1059
Number Of Employees12504
Business First Quarter Payroll188529
Business Annual Payroll715126
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 District22
Congressional LandArea172.88
Delivery Residential16409
Delivery Business831
Delivery Total17465
Preferred Last Line KeyY21705
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY21705
Land Area8.082000
Water Area0.106000
City Alias Code
City Mixed CaseDelray Beach
City Alias Mixed CaseDelray Beach
Box Count0
State ANSI12
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112205
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

  • 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 […]