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33812 Home Insurance Rates & Premiums

Did you know there are over 14,907 people living within the 33812 zip code area? There are over 5,301 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 33812.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,640 a year for a standard homeowners insurance policy in Lakeland. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Lakeland, FL Homeowners Insurance Quotes Online

33812 Home Insurance Average Premiums

Local 33812 homeowners insurance quotes comparison

$1390 /yr.

Shows Zip Code: 33812 lowest rates with discounts applied on average.

For the 33812, 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)
$1390 /yr.
Average Coverage:$1640 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1940 /yr.

What is the average home insurance cost for a home in 33812?

  • • The average homeowners insurance premium paid annually for a home in 33812 is around $1640 per year.

What does it cost on average per month for home insurance in 33812?

  • • Homeowners in 33812 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 33812?

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

Home Replacement Cost Coverage in 33812

Average Building Cost Per Square Foot in 33812: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33812: 1,366 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33812 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 33812 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 33812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,366 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$1671,366$228,200
Additional Upgrades & Added Features$2091,366$285,250
Major Home Updates or Advancements$2511,366$342,300

It's important to understand that when you estimate your replacement cost of your home in the 33812 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 33812

Best Home & Auto Insurance Agencies in 33812

Joy, Morse Lakeland - State Farm Insurance Auto Car Life 33812 33813

Address: 4727 US-98 S Lakeland, FL 33812
Phone:
Website: http://www.joymorse.biz/
Info:

Joy Morse State Farm Insurance

Address: 5727 US-98 S Lakeland, FL 33812
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/59/6487
Info:

Housing Demographics for 33812

Population Review for 33812 Zip Code

For the city of Lakeland, the population within 33812 has increased to over 16,788 residents in population size. The current population total is 14,907. We have broken down the population based on race below. In 33812, there are over 7336 in male population and 7571 females.

PopulationValues
Total Population14,907
White Population10197
Black Population1277
Hispanic Population2398
Asian Population965
Hawaiian Population6
Indian Population41
Other Population698
Male Population7336
Female Population7571
Population Estimate16788

Household Data for 33812

The average number of homes in 33812 is around 5,301, there are an average of 2.80 per household. The average house value according to local real estate values is around $228,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,301
Persons Per Household2.80
Average House Value$228,200
Income Per Household$87885
Median Age39.9
Median Age Male38.7
Median Age Female40.9
33812 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 Businesses200
Number Of Employees1577
Business First Quarter Payroll19453
Business Annual Payroll66124
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 District18
Congressional LandArea1512.55
Delivery Residential5996
Delivery Business105
Delivery Total9569
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area9.673000
Water Area0.641000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU3668
MFDU898
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]