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33760, FL Homeowners Insurance Rates

With a population size of 19,565 and with 7,631 occupied homes in the 33760 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Clearwater, FL are around $1,644 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Clearwater, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Clearwater, FL.

For Florida home insurance information, including average Clearwater home insurance rates, coverage options or the different homeowners insurance types, please select Clearwater, FL Home Insurance Quotes Now!

33760 Home Insurance Average Premiums

Local 33760 homeowners insurance quotes comparison

$1394 /yr.

Shows Zip Code: 33760 lowest rates with discounts applied on average.

For the 33760, 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)
$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1944 /yr.

What is the average home insurance cost for a home in 33760?

  • • The average homeowners insurance premium paid annually for a home in 33760 is around $1644 per year.

What does it cost on average per month for home insurance in 33760?

  • • Homeowners in 33760 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 33760?

  • • Autoowners in 33760 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 Clearwater area, check out other zip codes nearby 33760.
Review average rates in another zip code:
33764 homeowners insurance rates
33763 homeowners insurance rates
33765 homeowners insurance rates
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33756 homeowners insurance rates
33761 homeowners insurance rates
33759 homeowners insurance rates
33755 homeowners insurance rates
33762 homeowners insurance rates

Home Replacement Cost Coverage in 33760

Average Building Cost Per Square Foot in 33760: $167

Location: Clearwater, Florida (Pinellas County)

Average Square Footage in 33760: 953 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33760 before you start any project. Clearwater 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 33760 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 33760 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 953 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 Clearwater 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$167953$159,200
Additional Upgrades & Added Features$209953$199,000
Major Home Updates or Advancements$251953$238,800

It's important to understand that when you estimate your replacement cost of your home in the 33760 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 33760

Best Home & Auto Insurance Agencies in 33760

Housing Demographics for 33760

Population Review for 33760 Zip Code

For the city of Clearwater, the population within 33760 has increased to over 17,529 residents in population size. The current population total is 19,565. We have broken down the population based on race below. In 33760, there are over 10652 in male population and 8913 females.

PopulationValues
Total Population19,565
White Population11574
Black Population2986
Hispanic Population3929
Asian Population977
Hawaiian Population29
Indian Population129
Other Population1863
Male Population10652
Female Population8913
Population Estimate17529

Household Data for 33760

The average number of homes in 33760 is around 7,631, there are an average of 2.20 per household. The average house value according to local real estate values is around $159,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,631
Persons Per Household2.20
Average House Value$159,200
Income Per Household$51224
Median Age38.1
Median Age Male37.4
Median Age Female39.3
33760 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code727/813
CityClearwater
City Alias NameCLEARWATER
CountyPinellas
County FIPS103
State FIPS12
Time Zone5
Day Light SavingY
MSA8280
PMSA
CSA
CBSA45300
CBSA_DIV41304
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 Businesses645
Number Of Employees16768
Business First Quarter Payroll241497
Business Annual Payroll1111845
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 District13
Congressional LandArea186.03
Delivery Residential7968
Delivery Business806
Delivery Total9836
Preferred Last Line KeyY21592
Classification Code
Multi-County
CSA Name
CBSA_DIV_NameSt. Petersburg-Clearwater-Largo, FL
City State KeyY21592
Land Area5.634000
Water Area0.243000
City Alias Code
City Mixed CaseClearwater
City Alias Mixed CaseClearwater
Box Count0
SFDU2793
MFDU3197
State ANSI12
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111665
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

  • 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 […]