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Home Insurance in 33762

One of the best ways to save money on your homeowners insurance policy in the 33762 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Clearwater, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 33762 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 33762

Find Clearwater, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 33762

According to industry data, homeowners located in Clearwater pay roughly $1677 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 33762 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 33762 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 33762 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 33762.

Let us find you a great policy at an affordable price, get 33762 homeowners insurance quotes now.

33762 Home Insurance Average Premiums

Local 33762 homeowners insurance quotes comparison

$1427 /yr.

Shows Zip Code: 33762 lowest rates with discounts applied on average.

For the 33762, 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)
$1427 /yr.
Average Coverage:$1677 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1977 /yr.

What is the average home insurance cost for a home in 33762?

  • • The average homeowners insurance premium paid annually for a home in 33762 is around $1677 per year.

What does it cost on average per month for home insurance in 33762?

  • • Homeowners in 33762 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 33762?

  • • Autoowners in 33762 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 33762.
Review average rates in another zip code:
33759 homeowners insurance rates
33764 homeowners insurance rates
33756 homeowners insurance rates
33755 homeowners insurance rates
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33763 homeowners insurance rates
33761 homeowners insurance rates
33760 homeowners insurance rates
33765 homeowners insurance rates

Home Replacement Cost Coverage in 33762

Average Building Cost Per Square Foot in 33762: $167

Location: Clearwater, Florida (Pinellas County)

Average Square Footage in 33762: 1,490 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33762 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 33762 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 33762 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,490 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$1671,490$248,900
Additional Upgrades & Added Features$2091,490$311,125
Major Home Updates or Advancements$2511,490$373,350

It's important to understand that when you estimate your replacement cost of your home in the 33762 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 33762

Best Home & Auto Insurance Agencies in 33762

Housing Demographics for 33762

Population Review for 33762 Zip Code

For the city of Clearwater, the population within 33762 has increased to over 5,869 residents in population size. The current population total is 5,572. We have broken down the population based on race below. In 33762, there are over 2687 in male population and 2885 females.

PopulationValues
Total Population5,572
White Population4217
Black Population189
Hispanic Population505
Asian Population535
Hawaiian Population1
Indian Population21
Other Population142
Male Population2687
Female Population2885
Population Estimate5869

Household Data for 33762

The average number of homes in 33762 is around 2,892, there are an average of 1.93 per household. The average house value according to local real estate values is around $248,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,892
Persons Per Household1.93
Average House Value$248,900
Income Per Household$71268
Median Age50.8
Median Age Male49.8
Median Age Female52.1
33762 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code727
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 Businesses796
Number Of Employees16404
Business First Quarter Payroll230710
Business Annual Payroll1038157
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|14
Congressional LandArea186.03|265.4
Delivery Residential3041
Delivery Business1064
Delivery Total5946
Preferred Last Line KeyY21592
Classification Code
Multi-County
CSA Name
CBSA_DIV_NameSt. Petersburg-Clearwater-Largo, FL
City State KeyY21592
Land Area7.089000
Water Area1.343000
City Alias Code
City Mixed CaseClearwater
City Alias Mixed CaseClearwater
Box Count159
SFDU1367
MFDU1067
State ANSI12
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
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

  • 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 […]

  • 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 […]

  • 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 […]