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33712 Home Insurance Rates

For homeowners living in 33712, the population estimates are increasing to well over 26,395 with 11,005 occupied homes within the zip code of 33712. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Saint Petersburg have increased and the average home insurance premium is around $1,627 per year in 33712. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 33712 zip code today so we can help you find affordable Saint Petersburg, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 33712

Please select one of the three options below based on your 33712 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Pinellas County, FL Home Insurance
  3. Saint Petersburg, FL Home Insurance Quotes

33712 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 33712 zip code just got easier with of Saint Petersburg, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 33712 today and let us help you review the best home insurance quotes available for homeowners living in Saint Petersburg.

Get 33712 Homeowners Insurance Rates Now!

33712 Home Insurance Average Premiums

Local 33712 homeowners insurance quotes comparison

$1377 /yr.

Shows Zip Code: 33712 lowest rates with discounts applied on average.

For the 33712, 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)
$1377 /yr.
Average Coverage:$1627 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1927 /yr.

What is the average home insurance cost for a home in 33712?

  • • The average homeowners insurance premium paid annually for a home in 33712 is around $1627 per year.

What does it cost on average per month for home insurance in 33712?

  • • Homeowners in 33712 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33712?

  • • Autoowners in 33712 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 Saint Petersburg area, check out other zip codes nearby 33712.
Review average rates in another zip code:
33707 homeowners insurance rates
33704 homeowners insurance rates
33715 homeowners insurance rates
33710 homeowners insurance rates
33713 homeowners insurance rates
33716 homeowners insurance rates
33714 homeowners insurance rates
33711 homeowners insurance rates
33709 homeowners insurance rates
33702 homeowners insurance rates

Home Replacement Cost Coverage in 33712

Average Building Cost Per Square Foot in 33712: $167

Location: Saint Petersburg, Florida (Pinellas County)

Average Square Footage in 33712: 1,276 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33712 before you start any project. Saint Petersburg 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 33712 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 33712 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,276 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 Saint Petersburg 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$1671,276$213,100
Additional Upgrades & Added Features$2091,276$266,375
Major Home Updates or Advancements$2511,276$319,650

It's important to understand that when you estimate your replacement cost of your home in the 33712 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 33712

Best Home & Auto Insurance Agencies in 33712

Allstate Insurance - Helen Wade

Address: 3209 30th Ave S St Petersburg, FL 33712

Housing Demographics for 33712

Population Review for 33712 Zip Code

For the city of Saint Petersburg, the population within 33712 has increased to over 28,442 residents in population size. The current population total is 26,395. We have broken down the population based on race below. In 33712, there are over 12228 in male population and 14167 females.

Total Population26,395
White Population6880
Black Population17279
Hispanic Population1341
Asian Population310
Hawaiian Population17
Indian Population67
Other Population454
Male Population12228
Female Population14167
Population Estimate28442

Household Data for 33712

The average number of homes in 33712 is around 11,005, there are an average of 2.36 per household. The average house value according to local real estate values is around $213,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,005
Persons Per Household2.36
Average House Value$213,100
Income Per Household$52507
Median Age40.9
Median Age Male39.8
Median Age Female41.9
33712 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationST PETERSBURG
Area Code727
CitySaint Petersburg
County FIPS103
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 Businesses426
Number Of Employees4299
Business First Quarter Payroll40123
Business Annual Payroll182178
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 Population916542
Congressional District14
Congressional LandArea265.4
Delivery Residential12052
Delivery Business650
Delivery Total13633
Preferred Last Line KeyY22837
Classification Code
CSA Name
CBSA_DIV_NameSt. Petersburg-Clearwater-Largo, FL
City State KeyY22837
Land Area6.398000
Water Area1.254000
City Alias Code
City Mixed CaseSaint Petersburg
City Alias Mixed CaseSaint Petersburg
Box Count0
State ANSI12
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118250
Unique ZIP Name
SSA State County Code10510
Medicare CBSA Code45300
Medicare CBSA NameTampa-St. Petersburg-Clearwater, FL
Medicare CBSA TypeMetro
Market Rating Area ID52
County Mixed CasePinellas

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 […]