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33813 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 33813? There are over 13,578 occupied homes in the 33813 area. With a population size of 36,448, it's not uncommon for residence of Lakeland, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,648 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 33813 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lakeland, FL Home Insurance Rate Quotes

33813 Home Insurance Average Premiums

Local 33813 homeowners insurance quotes comparison

$1398 /yr.

Shows Zip Code: 33813 lowest rates with discounts applied on average.

For the 33813, 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)
$1398 /yr.
Average Coverage:$1648 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1948 /yr.

What is the average home insurance cost for a home in 33813?

  • • The average homeowners insurance premium paid annually for a home in 33813 is around $1648 per year.

What does it cost on average per month for home insurance in 33813?

  • • Homeowners in 33813 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 33813?

  • • Autoowners in 33813 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.

You can easily shop and compare home insurance rates within Lakeland, check out other zip codes nearby 33813.
To review average rates in another zip code, click on a zip code below:
33813  |  33810  |  33812  |  33811  |  33801  |  33805  |  33809  |  33803  |  33815  | 

Home Replacement Cost Coverage in 33813

Average Building Cost Per Square Foot in 33813: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33813: 1,569 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33813 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 33813 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 33813 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,569 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$1671,569$262,100
Additional Upgrades & Added Features$2091,569$327,625
Major Home Updates or Advancements$2511,569$393,150

It's important to understand that when you estimate your replacement cost of your home in the 33813 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 33813

Best Home & Auto Insurance Agencies in 33813

Miele, Laurie - Allstate

Address: 231 Doris Dr Lakeland, FL 33813
Phone:
Website: http://www.allstateagencies.com/LaurieMiele/Welcome/
Info:

A-Auto Insurance World

Address: 4516 S Florida Ave Lakeland, FL 33813
Phone:
Website:
Info:

Asset America Insurance Agency

Address: 4406 S Florida Ave, #23 Lakeland, FL 33813
Phone:
Website: http://www.assetamerica.com
Info: assetamerica.com
assetamerica.com assetamerica.com

Allstate Insurance - Michael Killingsworth

Address: 1031 E County Road 540a Lakeland, FL 33813
Phone:
Website:
Info:

Allstate Insurance Agency

Address: 4930 Southfork Dr Lakeland, FL 33813
Phone:
Website: http://www.allstateagencies.com/056223/Welcome/
Info:

Housing Demographics for 33813

Population Review for 33813 Zip Code

For the city of Lakeland, the population within 33813 has increased to over 38,964 residents in population size. The current population total is 36,448. We have broken down the population based on race below. In 33813, there are over 17517 in male population and 18931 females.

PopulationValues
Total Population36,448
White Population27186
Black Population2277
Hispanic Population5355
Asian Population1359
Hawaiian Population7
Indian Population113
Other Population1307
Male Population17517
Female Population18931
Population Estimate38964

Household Data for 33813

The average number of homes in 33813 is around 13,578, there are an average of 2.68 per household. The average house value according to local real estate values is around $262,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,578
Persons Per Household2.68
Average House Value$262,100
Income Per Household$89774
Median Age42.0
Median Age Male41.0
Median Age Female43.1
33813 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 Businesses1019
Number Of Employees10835
Business First Quarter Payroll107060
Business Annual Payroll437257
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 Residential14539
Delivery Business873
Delivery Total16583
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area20.997000
Water Area2.416000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU11070
MFDU1631
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

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