Get multiple home insurance quotes in 33781. Our licensed 33781, FL agents are ready to serve you.

33781 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 33781? Our rates are very competitive for homeowners living in Pinellas Park, FL. Many homeowners based out of your 33781 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners 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 33781 should appear in the zip code field ready to go. For Pinellas Park, FL Home Insurance Rate Quotes click to review the best rates and service online!

33781 Average Premium is Rated: Very High!

Homeowners living in 33781 can easily save up to 40% off the average home insurance premium of $1652 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Pinellas Park that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 33781 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 33781!

33781 Home Insurance Average Premiums

Local 33781 homeowners insurance quotes comparison

$1402 /yr.

Shows Zip Code: 33781 lowest rates with discounts applied on average.

For the 33781, 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)
$1402 /yr.
Average Coverage:$1652 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1952 /yr.

What is the average home insurance cost for a home in 33781?

  • • The average homeowners insurance premium paid annually for a home in 33781 is around $1652 per year.

What does it cost on average per month for home insurance in 33781?

  • • Homeowners in 33781 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 33781?

  • • Autoowners in 33781 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 Pinellas Park area, check out other zip codes nearby 33781.
Review average rates in another zip code:
33782 homeowners insurance rates
33781 homeowners insurance rates

Home Replacement Cost Coverage in 33781

Average Building Cost Per Square Foot in 33781: $167

Location: Pinellas Park, Florida (Pinellas County)

Average Square Footage in 33781: 1,049 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33781 before you start any project. Pinellas Park 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 33781 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 33781 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,049 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 Pinellas Park 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$1671,049$175,200
Additional Upgrades & Added Features$2091,049$219,000
Major Home Updates or Advancements$2511,049$262,800

It's important to understand that when you estimate your replacement cost of your home in the 33781 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 33781

Best Home & Auto Insurance Agencies in 33781

Housing Demographics for 33781

Population Review for 33781 Zip Code

For the city of Pinellas Park, the population within 33781 has increased to over 29,488 residents in population size. The current population total is 27,349. We have broken down the population based on race below. In 33781, there are over 13597 in male population and 13752 females.

Total Population27,349
White Population17557
Black Population2081
Hispanic Population4308
Asian Population2833
Hawaiian Population51
Indian Population106
Other Population1637
Male Population13597
Female Population13752
Population Estimate29488

Household Data for 33781

The average number of homes in 33781 is around 11,187, there are an average of 2.41 per household. The average house value according to local real estate values is around $175,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,187
Persons Per Household2.41
Average House Value$175,200
Income Per Household$47210
Median Age41.4
Median Age Male40.2
Median Age Female42.6
33781 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code727
CityPinellas Park
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 Businesses1032
Number Of Employees12128
Business First Quarter Payroll110482
Business Annual Payroll472334
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 Residential12236
Delivery Business1365
Delivery Total13041
Preferred Last Line KeyY22703
Classification Code
CSA Name
CBSA_DIV_NameSt. Petersburg-Clearwater-Largo, FL
City State KeyY22703
Land Area6.573000
Water Area0.154000
City Alias Code
City Mixed CasePinellas Park
City Alias Mixed CasePinellas Park
Box Count0
State ANSI12
County ANSI103
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117515
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 […]