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33602 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 33602 zip code it's important to know that our rates are very competitive for homeowners living in Tampa, FL. Many homeowners based out of your 33602 area have found it very easy to shop with 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 33602 should appear in the zip code field ready to go. For Tampa, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

33602: Average Home Insurance Rates

For homeowners living in the great city of Tampa, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1645 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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33602 Home Insurance Average Premiums

Local 33602 homeowners insurance quotes comparison

$1395 /yr.

Shows Zip Code: 33602 lowest rates with discounts applied on average.

For the 33602, 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)
$1395 /yr.
Average Coverage:$1645 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1945 /yr.

What is the average home insurance cost for a home in 33602?

  • • The average homeowners insurance premium paid annually for a home in 33602 is around $1645 per year.

What does it cost on average per month for home insurance in 33602?

  • • Homeowners in 33602 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 33602?

  • • Autoowners in 33602 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 Tampa area, check out other zip codes nearby 33602.
Review average rates in another zip code:
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33609 homeowners insurance rates
33611 homeowners insurance rates
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33614 homeowners insurance rates
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33619 homeowners insurance rates
33616 homeowners insurance rates
33625 homeowners insurance rates

Home Replacement Cost Coverage in 33602

Average Building Cost Per Square Foot in 33602: $167

Location: Tampa, Florida (Hillsborough County)

Average Square Footage in 33602: 2,438 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33602 before you start any project. Tampa 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 33602 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 33602 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,438 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 Tampa 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$1672,438$407,100
Additional Upgrades & Added Features$2092,438$508,875
Major Home Updates or Advancements$2512,438$610,650

It's important to understand that when you estimate your replacement cost of your home in the 33602 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 33602

Brown & Brown Inc

Address: PO Box 1348 Tampa, FL 33602
Phone: (813)226-1300

Car Insurance

Address: 24044 Sr 54 Tampa, FL 33602
Phone: (813)996-1234

A-A-A-A & B Insurance

Address: 108 Central Drive Brandon, FL 33602
Phone: (813)651-0094

Boat Insurance

Address: 11711 Drive Martin Luther Kin Tampa, FL 33602
Phone: (813)689-1300

A I M Mortgages

Address: 11939 Whisper Creek Dr Riverview, FL 33602
Phone: (813)741-0887

Best Home & Auto Insurance Agencies in 33602

A Kilbride Insurance Inc

Address: 400 North Parsons Avenue Tampa, FL 33602

Housing Demographics for 33602

Population Review for 33602 Zip Code

For the city of Tampa, the population within 33602 has increased to over 22,973 residents in population size. The current population total is 19,936. We have broken down the population based on race below. In 33602, there are over 10050 in male population and 9886 females.

Total Population19,936
White Population12166
Black Population3196
Hispanic Population3830
Asian Population937
Hawaiian Population11
Indian Population65
Other Population898
Male Population10050
Female Population9886
Population Estimate22973

Household Data for 33602

The average number of homes in 33602 is around 11,050, there are an average of 1.74 per household. The average house value according to local real estate values is around $407,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,050
Persons Per Household1.74
Average House Value$407,100
Income Per Household$82755
Median Age35.7
Median Age Male36.1
Median Age Female35.4
33602 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code813/656
City Alias NameTAMPA
County FIPS057
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 Businesses1832
Number Of Employees33712
Business First Quarter Payroll847154
Business Annual Payroll3421738
Business Employment Flag
Growth Rank55
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number38549
Growth Increase Percentage3.1
Metropolitan DetailsValues
CBSA Population2783243
CBSA Division Population1866701
Congressional District14
Congressional LandArea265.4
Delivery Residential13203
Delivery Business1382
Delivery Total14559
Preferred Last Line KeyY23079
Classification Code
CSA Name
CBSA_DIV_NameTampa, FL
City State KeyY23079
Land Area2.592000
Water Area0.361000
City Alias Code
City Mixed CaseTampa
City Alias Mixed CaseTampa
Box Count0
State ANSI12
County ANSI057
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118925
Unique ZIP Name
SSA State County Code10280
Medicare CBSA Code45300
Medicare CBSA NameTampa-St. Petersburg-Clearwater, FL
Medicare CBSA TypeMetro
Market Rating Area ID28
County Mixed CaseHillsborough

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 […]