Get multiple home insurance quotes in 33542. Our licensed 33542, FL agents are ready to serve you.

33542 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 33542? Our rates are very competitive for homeowners living in Zephyrhills, FL. Many homeowners based out of your 33542 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 33542 should appear in the zip code field ready to go. For Zephyrhills, FL Home Insurance Rate Quotes click to review the best rates and service online!

33542 Average Premium is Rated: Very High!

Homeowners living in 33542 can easily save up to 40% off the average home insurance premium of $1611 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 Zephyrhills 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 33542 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 33542!

33542 Home Insurance Average Premiums

Local 33542 homeowners insurance quotes comparison

$1361 /yr.

Shows Zip Code: 33542 lowest rates with discounts applied on average.

For the 33542, 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)
$1361 /yr.
Average Coverage:$1611 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1911 /yr.

What is the average home insurance cost for a home in 33542?

  • • The average homeowners insurance premium paid annually for a home in 33542 is around $1611 per year.

What does it cost on average per month for home insurance in 33542?

  • • Homeowners in 33542 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33542?

  • • Autoowners in 33542 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 33542.
Review average rates in another zip code:
33540 homeowners insurance rates
33541 homeowners insurance rates
33542 homeowners insurance rates

Home Replacement Cost Coverage in 33542

Average Building Cost Per Square Foot in 33542: $167

Location: Zephyrhills, Florida (Pasco County)

Average Square Footage in 33542: 565 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33542 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 33542 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 33542 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 565 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$167565$94,400
Additional Upgrades & Added Features$209565$118,000
Major Home Updates or Advancements$251565$141,600

It's important to understand that when you estimate your replacement cost of your home in the 33542 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 33542

Best Home & Auto Insurance Agencies in 33542

Blessing- L Brant

Address: 38357 CR-54 Zephyrhills, FL 33542
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance Companies - Sales Offices- Zephyrhills

Address: 38452 6th Ave Zephyrhills, FL 33542
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,

Brant Blessing Ins

Address: 38357 County Road 54 Zephyrhills, FL 33542
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Accurate Insurance Mart

Address: 38232 5th Ave Zephyrhills, FL 33542

A Community Insurance

Address: 38336 5th Ave Zephyrhills, FL 33542

Housing Demographics for 33542

Population Review for 33542 Zip Code

For the city of Zephyrhills, the population within 33542 has increased to over 26,609 residents in population size. The current population total is 22,649. We have broken down the population based on race below. In 33542, there are over 10638 in male population and 12011 females.

Total Population22,649
White Population17801
Black Population1301
Hispanic Population3273
Asian Population241
Hawaiian Population15
Indian Population107
Other Population1025
Male Population10638
Female Population12011
Population Estimate26609

Household Data for 33542

The average number of homes in 33542 is around 10,707, there are an average of 2.08 per household. The average house value according to local real estate values is around $94,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,707
Persons Per Household2.08
Average House Value$94,400
Income Per Household$40765
Median Age54.7
Median Age Male53.2
Median Age Female55.8
33542 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code813/656
County FIPS101
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameTampa-St. Petersburg-Clearwater, FL
MSA_NameTampa-St. Petersburg-Clearwater, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses372
Number Of Employees3740
Business First Quarter Payroll36655
Business Annual Payroll162070
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 Residential12793
Delivery Business705
Delivery Total18589
Preferred Last Line KeyY23295
Classification Code
CSA Name
CBSA_DIV_NameTampa, FL
City State KeyY23295
Land Area10.432000
Water Area0.039000
City Alias Code
City Mixed CaseZephyrhills
City Alias Mixed CaseZephyrhills
Box Count0
State ANSI12
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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’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: […]