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33803 Home Insurance Rates

Getting multiple homeowners insurance rates in 33803 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Lakeland, FL. Many homeowners based out of the 33803 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33803 should appear in the zip code field ready to go. For Lakeland, FL Home Insurance Quotes, Click to easily get started!

33803 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 33803 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Lakeland. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1614. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 33803 zip code today and let us help you save time and money on your homeowners insurance premium.

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33803 Home Insurance Average Premiums

Local 33803 homeowners insurance quotes comparison

$1364 /yr.

Shows Zip Code: 33803 lowest rates with discounts applied on average.

For the 33803, 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)
$1364 /yr.
Average Coverage:$1614 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1914 /yr.

What is the average home insurance cost for a home in 33803?

  • • The average homeowners insurance premium paid annually for a home in 33803 is around $1614 per year.

What does it cost on average per month for home insurance in 33803?

  • • Homeowners in 33803 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 33803?

  • • Autoowners in 33803 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 33803.
Review average rates in another zip code:
33815 homeowners insurance rates
33813 homeowners insurance rates
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33812 homeowners insurance rates
33809 homeowners insurance rates
33811 homeowners insurance rates
33801 homeowners insurance rates
33805 homeowners insurance rates
33810 homeowners insurance rates

Home Replacement Cost Coverage in 33803

Average Building Cost Per Square Foot in 33803: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33803: 1,076 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33803 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 33803 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 33803 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,076 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$1671,076$179,700
Additional Upgrades & Added Features$2091,076$224,625
Major Home Updates or Advancements$2511,076$269,550

It's important to understand that when you estimate your replacement cost of your home in the 33803 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 33803

Garland Insurance

Address: 2000 East Edgewood Drive Suite 109 Lakeland, FL 33803
Phone: (863)683-9334
Website:

Authorized Insurance

Address: 2210 Florida Ave S Lakeland, FL 33803
Phone: (863)688-9548
Website: www.authorizedins.com

Best Home & Auto Insurance Agencies in 33803

Westerfeld, Don President - Lock Insurance

Address: 3500 S Florida Ave, Ste 4 Lakeland, FL 33803
Phone:
Website: http://www.lockinsurance.com/
Info:

Hasten, Ron C - Family Insurance Center

Address: 2248 E Edgewood Dr Lakeland, FL 33803
Phone:
Website: http://www.familyinsurancecenters.com/
Info:

Headley, Scott - Headley Insurance Agency

Address: 3544 S Florida Ave Lakeland, FL 33803
Phone:
Website: http://www.nationwide.com/
Info:

All Florida Insurance Agency

Address: 3526 S Florida Ave Lakeland, FL 33803
Phone:
Website:
Info:

Rankin, Lois - Allstate

Address: 1255 Ariana St Lakeland, FL 33803
Phone:
Website: http://www.allstateagencies.com/LoisRankin/Welcome/
Info:

Housing Demographics for 33803

Population Review for 33803 Zip Code

For the city of Lakeland, the population within 33803 has increased to over 30,052 residents in population size. The current population total is 29,082. We have broken down the population based on race below. In 33803, there are over 13450 in male population and 15632 females.

PopulationValues
Total Population29,082
White Population20839
Black Population2464
Hispanic Population5072
Asian Population585
Hawaiian Population30
Indian Population98
Other Population1701
Male Population13450
Female Population15632
Population Estimate30052

Household Data for 33803

The average number of homes in 33803 is around 12,695, there are an average of 2.22 per household. The average house value according to local real estate values is around $179,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,695
Persons Per Household2.22
Average House Value$179,700
Income Per Household$58437
Median Age42.2
Median Age Male40.4
Median Age Female44.0
33803 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 Businesses1023
Number Of Employees13079
Business First Quarter Payroll124533
Business Annual Payroll546074
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 Residential13537
Delivery Business1054
Delivery Total14435
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area16.592000
Water Area1.340000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU8253
MFDU3836
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 […]