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33809 Home Insurance Quotes & Rates

Currently, the 12,152 homes within the 33809 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,588 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Lakeland, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 33809.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Lakeland home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 33809 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Lakeland, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Lakeland, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

33809 Home Insurance Average Premiums

Local 33809 homeowners insurance quotes comparison

$1338 /yr.

Shows Zip Code: 33809 lowest rates with discounts applied on average.

For the 33809, 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)
$1338 /yr.
Average Coverage:$1588 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1888 /yr.

What is the average home insurance cost for a home in 33809?

  • • The average homeowners insurance premium paid annually for a home in 33809 is around $1588 per year.

What does it cost on average per month for home insurance in 33809?

  • • Homeowners in 33809 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 33809?

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

Home Replacement Cost Coverage in 33809

Average Building Cost Per Square Foot in 33809: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33809: 1,114 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33809 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 33809 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 33809 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,114 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$1671,114$186,100
Additional Upgrades & Added Features$2091,114$232,625
Major Home Updates or Advancements$2511,114$279,150

It's important to understand that when you estimate your replacement cost of your home in the 33809 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 33809

A Florida Authorized Insurance Agency- Inc

Address: 5859 US Hwy 98 N Lakeland, FL 33809
Phone: (863)859-3239
Website:

Best Home & Auto Insurance Agencies in 33809

Richard Brown - Allstate Agent

Address: 6146 US-98 N Lakeland, FL 33809
Phone:
Website: http://www.allstate.com/
Info:

Dixon, Debbie - Great Florida Insurance

Address: 5525 Us Highway 98 N Lakeland, FL 33809
Phone:
Website: http://www.lakeland2.greatflorida.com/
Info:

Bagwell- Philip E

Address: 6609 N Socrum Loop Rd Lakeland, FL 33809
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Danny Horvath - Allstate Agent

Address: 7393 US-98 N Lakeland, FL 33809
Phone:
Website: http://www.allstateagencies.com/DannyHorvath/Welcome/
Info:

State Farm Insurance

Address: 6737 US-98 N Lakeland, FL 33809
Phone:
Website: http://www.statefarm.com/
Info:

Housing Demographics for 33809

Population Review for 33809 Zip Code

For the city of Lakeland, the population within 33809 has increased to over 32,561 residents in population size. The current population total is 30,629. We have broken down the population based on race below. In 33809, there are over 14715 in male population and 15914 females.

PopulationValues
Total Population30,629
White Population22215
Black Population2643
Hispanic Population5447
Asian Population593
Hawaiian Population9
Indian Population103
Other Population1785
Male Population14715
Female Population15914
Population Estimate32561

Household Data for 33809

The average number of homes in 33809 is around 12,152, there are an average of 2.49 per household. The average house value according to local real estate values is around $186,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,152
Persons Per Household2.49
Average House Value$186,100
Income Per Household$58037
Median Age44.8
Median Age Male42.9
Median Age Female46.3
33809 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 Businesses688
Number Of Employees9480
Business First Quarter Payroll66205
Business Annual Payroll289873
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 District11|12|15|18
Congressional LandArea2509.88|883.75|818.51|1512.55
Delivery Residential13077
Delivery Business684
Delivery Total13553
Preferred Last Line KeyY22227
Classification Code
Multi-CountyY
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area65.860000
Water Area1.401000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU6925
MFDU2062
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 […]