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33805 Home Insurance Rates

For homeowners living in 33805, the population estimates are increasing to well over 26,954 with 10,016 occupied homes within the zip code of 33805. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Lakeland have increased and the average home insurance premium is around $1,644 per year in 33805. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 33805 zip code today so we can help you find affordable Lakeland, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 33805

Please select one of the three options below based on your 33805 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Polk County, FL Home Insurance
  3. Lakeland, FL Home Insurance Quotes

33805 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 33805 zip code just got easier with GetHomeInsuranceQuotes.com of Lakeland, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 33805 today and let us help you review the best home insurance quotes available for homeowners living in Lakeland.

Get 33805 Homeowners Insurance Rates Now!

33805 Home Insurance Average Premiums

Local 33805 homeowners insurance quotes comparison

$1394 /yr.

Shows Zip Code: 33805 lowest rates with discounts applied on average.

For the 33805, 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)
$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1944 /yr.

What is the average home insurance cost for a home in 33805?

  • • The average homeowners insurance premium paid annually for a home in 33805 is around $1644 per year.

What does it cost on average per month for home insurance in 33805?

  • • Homeowners in 33805 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 33805?

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

Home Replacement Cost Coverage in 33805

Average Building Cost Per Square Foot in 33805: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33805: 731 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33805 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 33805 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 33805 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 731 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$167731$122,000
Additional Upgrades & Added Features$209731$152,500
Major Home Updates or Advancements$251731$183,000

It's important to understand that when you estimate your replacement cost of your home in the 33805 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 33805

Best Home & Auto Insurance Agencies in 33805

Garland Insurance Agency

Address: 2316 Lakeland Hills Blvd Lakeland, FL 33805
Phone:
Website: http://www.progressiveagent.com/garland-insurance-agency-lakeland
Info:

Nationwide Insurance

Address: 3004 US-98 N Lakeland, FL 33805
Phone:
Website: http://www.nationwide.com/
Info:

Allstate Insurance-Phillip E. Walker

Address: 3119 N Us-98 Lakeland, FL 33805
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Herman, Johnson Lakeland - State Farm Insurance Auto Car Life 33805 33801

Address: 1507 Lakeland Hills Blvd, #103 Lakeland, FL 33805
Phone:
Website: http://www.statefarm.com/
Info:

Housing Demographics for 33805

Population Review for 33805 Zip Code

For the city of Lakeland, the population within 33805 has increased to over 28,961 residents in population size. The current population total is 26,954. We have broken down the population based on race below. In 33805, there are over 12661 in male population and 14293 females.

PopulationValues
Total Population26,954
White Population11158
Black Population9973
Hispanic Population6094
Asian Population378
Hawaiian Population17
Indian Population129
Other Population2199
Male Population12661
Female Population14293
Population Estimate28961

Household Data for 33805

The average number of homes in 33805 is around 10,016, there are an average of 2.60 per household. The average house value according to local real estate values is around $122,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,016
Persons Per Household2.60
Average House Value$122,000
Income Per Household$41818
Median Age35.6
Median Age Male34.0
Median Age Female37.0
33805 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 Businesses451
Number Of Employees17049
Business First Quarter Payroll209298
Business Annual Payroll920661
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 Residential11139
Delivery Business483
Delivery Total11573
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area25.957000
Water Area6.635000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU6096
MFDU3657
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

  • 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: […]

  • 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 […]