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33540 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 33540 zip code it's important to know that our rates are very competitive for homeowners living in Zephyrhills, FL. Many homeowners based out of your 33540 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home 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 33540 should appear in the zip code field ready to go. For Zephyrhills, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

33540: Average Home Insurance Rates

For homeowners living in the great city of Zephyrhills, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1615 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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33540 Home Insurance Average Premiums

Local 33540 homeowners insurance quotes comparison

$1365 /yr.

Shows Zip Code: 33540 lowest rates with discounts applied on average.

For the 33540, 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)
$1365 /yr.
Average Coverage:$1615 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1915 /yr.

What is the average home insurance cost for a home in 33540?

  • • The average homeowners insurance premium paid annually for a home in 33540 is around $1615 per year.

What does it cost on average per month for home insurance in 33540?

  • • Homeowners in 33540 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 33540?

  • • Autoowners in 33540 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 Zephyrhills area, check out other zip codes nearby 33540.
Review average rates in another zip code:
33542 homeowners insurance rates
33540 homeowners insurance rates
33541 homeowners insurance rates

Home Replacement Cost Coverage in 33540

Average Building Cost Per Square Foot in 33540: $167

Location: Zephyrhills, Florida (Pasco County)

Average Square Footage in 33540: 582 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33540 before you start any project. Zephyrhills 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 33540 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 33540 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 582 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 Zephyrhills 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$167582$97,200
Additional Upgrades & Added Features$209582$121,500
Major Home Updates or Advancements$251582$145,800

It's important to understand that when you estimate your replacement cost of your home in the 33540 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 33540

Best Home & Auto Insurance Agencies in 33540

Housing Demographics for 33540

Population Review for 33540 Zip Code

For the city of Zephyrhills, the population within 33540 has increased to over 13,684 residents in population size. The current population total is 9,603. We have broken down the population based on race below. In 33540, there are over 4557 in male population and 5046 females.

PopulationValues
Total Population9,603
White Population7856
Black Population422
Hispanic Population1211
Asian Population100
Hawaiian Population1
Indian Population54
Other Population428
Male Population4557
Female Population5046
Population Estimate13684

Household Data for 33540

The average number of homes in 33540 is around 4,044, there are an average of 2.35 per household. The average house value according to local real estate values is around $97,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,044
Persons Per Household2.35
Average House Value$97,200
Income Per Household$43569
Median Age53.4
Median Age Male51.1
Median Age Female55.4
33540 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code813/656
CityZephyrhills
City Alias NameZEPHYRHILLS
CountyPasco
County FIPS101
State FIPS12
Time Zone5
Day Light SavingY
MSA8280
PMSA
CSA
CBSA45300
CBSA_DIV45294
CBSA_TypeMetro
CBSA_NameTampa-St. Petersburg-Clearwater, FL
MSA_NameTampa-St. Petersburg-Clearwater, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses121
Number Of Employees1379
Business First Quarter Payroll15487
Business Annual Payroll60139
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2783243
CBSA Division Population1866701
Congressional District15
Congressional LandArea818.51
Delivery Residential5823
Delivery Business69
Delivery Total5884
Preferred Last Line KeyY23295
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_NameTampa, FL
City State KeyY23295
Land Area36.073000
Water Area0.069000
City Alias Code
City Mixed CaseZephyrhills
City Alias Mixed CaseZephyrhills
Box Count0
SFDU2458
MFDU640
State ANSI12
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number119810
Unique ZIP Name
SSA State County Code10500
Medicare CBSA Code45300
Medicare CBSA NameTampa-St. Petersburg-Clearwater, FL
Medicare CBSA TypeMetro
Market Rating Area ID51
County Mixed CasePasco

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 […]