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Find the lowest Homeowners Insurance Rates in 33765

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 33765, do yourself a favor and get a rate quote from We will provide you with up to 12 quotes for homeowners coverage in Clearwater, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 33765 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 33765

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Clearwater, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

33765 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Clearwater we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 33765, homeowners are seeing rates around 1600 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 33765!

33765 Home Insurance Average Premiums

Local 33765 homeowners insurance quotes comparison

$1350 /yr.

Shows Zip Code: 33765 lowest rates with discounts applied on average.

For the 33765, 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)
$1350 /yr.
Average Coverage:$1600 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1900 /yr.

What is the average home insurance cost for a home in 33765?

  • • The average homeowners insurance premium paid annually for a home in 33765 is around $1600 per year.

What does it cost on average per month for home insurance in 33765?

  • • Homeowners in 33765 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33765?

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

Home Replacement Cost Coverage in 33765

Average Building Cost Per Square Foot in 33765: $167

Location: Clearwater, Florida (Pinellas County)

Average Square Footage in 33765: 1,334 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33765 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 33765 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 33765 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,334 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$1671,334$222,700
Additional Upgrades & Added Features$2091,334$278,375
Major Home Updates or Advancements$2511,334$334,050

It's important to understand that when you estimate your replacement cost of your home in the 33765 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 33765

Anderson Mary

Address: 2433 Gulf To Bay Boulevard Clearwater, FL 33765
Phone: (727)797-5193

Best Home & Auto Insurance Agencies in 33765

Auto Champion Insurance Agency Inc

Address: 2424 Gulf to Bay Blvd Clearwater, FL 33765

Allstate Insurance - Helen Wade

Address: 1932 Drew St, #10 Clearwater, FL 33765

B and J's Incorporated

Address: 1975 Drew St Clearwater, FL 33765

Bouie- Darry D - State Farm Insurance Agent

Address: 1876 Drew St Clearwater, FL 33765

AAA Auto Club South - AAA Travel- AAA Insurance Agency- Motor Club Serv

Address: 2170 Rainbow Dr Clearwater, FL 33765

Housing Demographics for 33765

Population Review for 33765 Zip Code

For the city of Clearwater, the population within 33765 has increased to over 14,181 residents in population size. The current population total is 13,844. We have broken down the population based on race below. In 33765, there are over 6905 in male population and 6939 females.

Total Population13,844
White Population8695
Black Population990
Hispanic Population3569
Asian Population395
Hawaiian Population2
Indian Population124
Other Population1705
Male Population6905
Female Population6939
Population Estimate14181

Household Data for 33765

The average number of homes in 33765 is around 6,077, there are an average of 2.25 per household. The average house value according to local real estate values is around $222,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,077
Persons Per Household2.25
Average House Value$222,700
Income Per Household$53892
Median Age41.4
Median Age Male40.4
Median Age Female42.5
33765 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code727
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 Businesses938
Number Of Employees12462
Business First Quarter Payroll131594
Business Annual Payroll551395
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 Residential6303
Delivery Business1235
Delivery Total9901
Preferred Last Line KeyY21592
Classification Code
CSA Name
CBSA_DIV_NameSt. Petersburg-Clearwater-Largo, FL
City State KeyY21592
Land Area4.177000
Water Area0.066000
City Alias Code
City Mixed CaseClearwater
City Alias Mixed CaseClearwater
Box Count0
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

  • 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 […]

  • 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: […]