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33548 Home Insurance Rates
Getting multiple homeowners insurance rates in 33548 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Lutz, FL. Many homeowners based out of the 33548 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33548 should appear in the zip code field ready to go. For Lutz, FL Home Insurance Quotes, Click to easily get started!
33548 Homeowners Insurance Rates, Average Rating: Very High!
Your homeowners insurance policy in 33548 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Lutz. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1639. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 33548 zip code today and let us help you save time and money on your homeowners insurance premium.
33548 Home Insurance Average Premiums
$1389 /yr.
Shows Zip Code: 33548 lowest rates with discounts applied on average.
For the 33548, 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) | $1389 /yr. |
| Average Coverage: | $1639 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1939 /yr. |
What is the average home insurance cost for a home in 33548?
- • The average homeowners insurance premium paid annually for a home in 33548 is around $1639 per year.
What does it cost on average per month for home insurance in 33548?
- • Homeowners in 33548 pay a monthly average cost per month around $137.00.
What kind of discount could I get if I combine my home and auto insurance together in 33548?
- • Autoowners in 33548 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 Lutz area, check out other zip codes nearby 33548.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 33548
Average Building Cost Per Square Foot in 33548: $167
Location: Lutz, Florida (Hillsborough County)Average Square Footage in 33548: 2,428 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 33548 before you start any project. Lutz 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 33548 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 33548 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,428 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 Lutz 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $167 | 2,428 | $405,400 |
| Additional Upgrades & Added Features | $209 | 2,428 | $506,750 |
| Major Home Updates or Advancements | $251 | 2,428 | $608,100 |
It's important to understand that when you estimate your replacement cost of your home in the 33548 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 33548
Best Home & Auto Insurance Agencies in 33548
Allstate Insurance Company
Address: 18840 Dale Mabry Hwy N Lutz, FL 33548Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 33548
Population Review for 33548 Zip Code
For the city of Lutz, the population within 33548 has increased to over 8,525 residents in population size. The current population total is 7,708. We have broken down the population based on race below. In 33548, there are over 3763 in male population and 3945 females.
| Population | Values |
|---|---|
| Total Population | 7,708 |
| White Population | 5752 |
| Black Population | 288 |
| Hispanic Population | 1246 |
| Asian Population | 438 |
| Hawaiian Population | 2 |
| Indian Population | 15 |
| Other Population | 208 |
| Male Population | 3763 |
| Female Population | 3945 |
| Population Estimate | 8525 |
Household Data for 33548
The average number of homes in 33548 is around 2,819, there are an average of 2.66 per household. The average house value according to local real estate values is around $405,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,819 |
| Persons Per Household | 2.66 |
| Average House Value | $405,400 |
| Income Per Household | $123060 |
| Median Age | 47.3 |
| Median Age Male | 47.3 |
| Median Age Female | 47.2 |
| 33548 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 813 |
| City | Lutz |
| City Alias Name | LUTZ |
| County | Hillsborough |
| County FIPS | 057 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 8280 |
| PMSA | |
| CSA | |
| CBSA | 45300 |
| CBSA_DIV | 45294 |
| CBSA_Type | Metro |
| CBSA_Name | Tampa-St. Petersburg-Clearwater, FL |
| MSA_Name | Tampa-St. Petersburg-Clearwater, FL MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 369 |
| Number Of Employees | 2765 |
| Business First Quarter Payroll | 22360 |
| Business Annual Payroll | 105901 |
| Business Employment Flag | |
| Growth Rank | 55 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 38549 |
| Growth Increase Percentage | 3.1 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 2783243 |
| CBSA Division Population | 1866701 |
| Congressional District | 15 |
| Congressional LandArea | 818.51 |
| Delivery Residential | 3205 |
| Delivery Business | 305 |
| Delivery Total | 5350 |
| Preferred Last Line Key | Y22299 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | Tampa, FL |
| City State Key | Y22299 |
| Land Area | 7.608000 |
| Water Area | 1.193000 |
| City Alias Code | |
| City Mixed Case | Lutz |
| City Alias Mixed Case | Lutz |
| Box Count | 539 |
| SFDU | 2572 |
| MFDU | 176 |
| State ANSI | 12 |
| County ANSI | 057 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 115445 |
| Unique ZIP Name | |
| SSA State County Code | 10280 |
| Medicare CBSA Code | 45300 |
| Medicare CBSA Name | Tampa-St. Petersburg-Clearwater, FL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 28 |
| County Mixed Case | Hillsborough |
Florida Homeowners Insurance News & Information
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024
Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]
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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 […]
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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 […]
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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 […]
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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. […]
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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 […]