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Compare 33815 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Lakeland just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,391 neighbors looking to save on their home insurance policy in the local 33815 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 33815. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lakeland, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lakeland, FL

33815 Home Insurance Average Premiums

Local 33815 homeowners insurance quotes comparison

$1371 /yr.

Shows Zip Code: 33815 lowest rates with discounts applied on average.

For the 33815, 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)
$1371 /yr.
Average Coverage:$1621 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1921 /yr.

What is the average home insurance cost for a home in 33815?

  • • The average homeowners insurance premium paid annually for a home in 33815 is around $1621 per year.

What does it cost on average per month for home insurance in 33815?

  • • Homeowners in 33815 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 33815?

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

Home Replacement Cost Coverage in 33815

Average Building Cost Per Square Foot in 33815: $167

Location: Lakeland, Florida (Polk County)

Average Square Footage in 33815: 138 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33815 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 33815 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 33815 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 138 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$167138$23,000
Additional Upgrades & Added Features$209138$28,750
Major Home Updates or Advancements$251138$34,500

It's important to understand that when you estimate your replacement cost of your home in the 33815 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 33815

Best Home & Auto Insurance Agencies in 33815

Smith, Kevin - Southern Family Insurance

Address: 101 W Main St, #123 Lakeland, FL 33815
Phone:
Website: http://www.southernfamilyinsurance.com/
Info:

Victory Insurance of Lakeland

Address: 305 W Memorial Blvd Lakeland, FL 33815
Phone:
Website: http://www.insurancelakeland.com/
Info:

Allstate Insurance Companies

Address: 438 N Wabash Ave Lakeland, FL 33815
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

Housing Demographics for 33815

Population Review for 33815 Zip Code

For the city of Lakeland, the population within 33815 has increased to over 16,973 residents in population size. The current population total is 15,681. We have broken down the population based on race below. In 33815, there are over 7679 in male population and 8002 females.

PopulationValues
Total Population15,681
White Population7367
Black Population3472
Hispanic Population5446
Asian Population95
Hawaiian Population10
Indian Population169
Other Population2116
Male Population7679
Female Population8002
Population Estimate16973

Household Data for 33815

The average number of homes in 33815 is around 6,391, there are an average of 2.43 per household. The average house value according to local real estate values is around $23,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,391
Persons Per Household2.43
Average House Value$23,000
Income Per Household$33422
Median Age40.2
Median Age Male38.1
Median Age Female42.0
33815 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 Businesses367
Number Of Employees10593
Business First Quarter Payroll125427
Business Annual Payroll557683
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
Congressional LandArea818.51
Delivery Residential6985
Delivery Business560
Delivery Total9361
Preferred Last Line KeyY22227
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22227
Land Area7.381000
Water Area0.463000
City Alias Code
City Mixed CaseLakeland
City Alias Mixed CaseLakeland
Box Count0
SFDU4958
MFDU1403
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 […]