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Home Insurance Quotes in 33801

Are you shopping for a cheaper homeowners insurance rate in 33801? Our rates are very competitive for homeowners living in Lakeland, FL. Many homeowners located in the 33801 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 33801. To get free 33801 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33801 zip code should appear in the zip code field ready to go. Shopping Lakeland, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 33801 to review the best rate coverages.

Your 33801 Home Insurance Costs Is Rated: Very High!

For the great city of Lakeland, the average home insurance premium paid annually is around $1632 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Lakeland and need insurance on your home in the 33801 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 33801 Homeowners Insurance Rates Now!

33801 Home Insurance Average Premiums

Local 33801 homeowners insurance quotes comparison

$1382 /yr.

Shows Zip Code: 33801 lowest rates with discounts applied on average.

For the 33801, 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)
$1382 /yr.
Average Coverage:$1632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1932 /yr.

What is the average home insurance cost for a home in 33801?

  • • The average homeowners insurance premium paid annually for a home in 33801 is around $1632 per year.

What does it cost on average per month for home insurance in 33801?

  • • Homeowners in 33801 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 33801?

  • • Autoowners in 33801 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 Lakeland area, check out other zip codes nearby 33801.
Review average rates in another zip code:
33815 homeowners insurance rates
33809 homeowners insurance rates
33805 homeowners insurance rates
33801 homeowners insurance rates
33813 homeowners insurance rates
33812 homeowners insurance rates
33803 homeowners insurance rates
33811 homeowners insurance rates
33810 homeowners insurance rates

Home Replacement Cost Coverage in 33801

Average Building Cost Per Square Foot in 33801: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33801: 588 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33801 before you start any project. Lakeland 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 33801 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 33801 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 588 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 Lakeland 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$167588$98,200
Additional Upgrades & Added Features$209588$122,750
Major Home Updates or Advancements$251588$147,300

It's important to understand that when you estimate your replacement cost of your home in the 33801 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 33801

Best Home & Auto Insurance Agencies in 33801

Allstate Insurance - Gow B. Fields

Address: 229 N Florida Ave Lakeland, FL 33801
Phone:
Website:
Info:

Herndon & Associates Insurance LLC

Address: 91 Lake Morton Dr Lakeland, FL 33801
Phone:
Website: http://www.herndonnet.com/
Info:

United One Insurance

Address: 716 E Memorial Blvd Lakeland, FL 33801
Phone:
Website:
Info:

Fike, Paul - Fike Insurance Incorporated

Address: 311 S Tennessee Ave Lakeland, FL 33801
Phone:
Website:
Info:

AAA Travel

Address: 1457 E Memorial Blvd Lakeland, FL 33801
Phone:
Website: http://www.aaa.com/travel
Info:

Housing Demographics for 33801

Population Review for 33801 Zip Code

For the city of Lakeland, the population within 33801 has increased to over 33,568 residents in population size. The current population total is 36,798. We have broken down the population based on race below. In 33801, there are over 17587 in male population and 19211 females.

PopulationValues
Total Population36,798
White Population22551
Black Population5651
Hispanic Population8820
Asian Population383
Hawaiian Population32
Indian Population235
Other Population3777
Male Population17587
Female Population19211
Population Estimate33568

Household Data for 33801

The average number of homes in 33801 is around 13,543, there are an average of 2.37 per household. The average house value according to local real estate values is around $98,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,543
Persons Per Household2.37
Average House Value$98,200
Income Per Household$41008
Median Age34.0
Median Age Male34.5
Median Age Female33.3
33801 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
CityLakeland
City Alias NameLAKELAND
CountyPolk
County FIPS105
State FIPS12
Time Zone5
Day Light SavingY
MSA3980
PMSA
CSA422
CBSA29460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLakeland-Winter Haven, FL
MSA_NameLakeland-Winter Haven, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1087
Number Of Employees20664
Business First Quarter Payroll234686
Business Annual Payroll987539
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population602095
CBSA Division Population0
Congressional District15|18
Congressional LandArea818.51|1512.55
Delivery Residential14164
Delivery Business1516
Delivery Total15596
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area18.928000
Water Area1.915000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU8576
MFDU2670
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114920
Unique ZIP Name
SSA State County Code10520
Medicare CBSA Code29460
Medicare CBSA NameLakeland-Winter Haven, FL
Medicare CBSA TypeMetro
Market Rating Area ID53
County Mixed CasePolk

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 […]