Get multiple home insurance quotes in 33823. Our licensed 33823, FL agents are ready to serve you.

33823 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 33823 is very time consuming. At, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Auburndale, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 33823 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Auburndale homeowners insurance rates, coverage options or home insurance types, please select Auburndale, FL Home Insurance Rates Online!

33823 Home Insurance Average Premiums

Local 33823 homeowners insurance quotes comparison

$1383 /yr.

Shows Zip Code: 33823 lowest rates with discounts applied on average.

For the 33823, 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)
$1383 /yr.
Average Coverage:$1633 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1933 /yr.

What is the average home insurance cost for a home in 33823?

  • • The average homeowners insurance premium paid annually for a home in 33823 is around $1633 per year.

What does it cost on average per month for home insurance in 33823?

  • • Homeowners in 33823 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33823?

  • • Autoowners in 33823 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 Auburndale area, check out other zip codes nearby 33823.
Review average rates in another zip code:
33823 homeowners insurance rates

Home Replacement Cost Coverage in 33823

Average Building Cost Per Square Foot in 33823: $167

Location: Auburndale, Florida (Polk County)

Average Square Footage in 33823: 1,037 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33823 before you start any project. Auburndale 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 33823 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 33823 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,037 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 Auburndale 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$1671,037$173,200
Additional Upgrades & Added Features$2091,037$216,500
Major Home Updates or Advancements$2511,037$259,800

It's important to understand that when you estimate your replacement cost of your home in the 33823 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 33823

Best Home & Auto Insurance Agencies in 33823

Jefferson-Allsopp, Incorporated

Address: Lakeland, FL 33823

Larry, Walker Auburndale - State Farm Insurance Auto Car Life 33823 33850

Address: 102 Main St Auburndale, FL 33823

Ewing Blackwelder & Duce Insurance Incorporated

Address: Bartow, FL 33823

Housing Demographics for 33823

Population Review for 33823 Zip Code

For the city of Auburndale, the population within 33823 has increased to over 40,333 residents in population size. The current population total is 33,733. We have broken down the population based on race below. In 33823, there are over 16546 in male population and 17187 females.

Total Population33,733
White Population23944
Black Population3135
Hispanic Population6430
Asian Population416
Hawaiian Population16
Indian Population252
Other Population2314
Male Population16546
Female Population17187
Population Estimate40333

Household Data for 33823

The average number of homes in 33823 is around 12,606, there are an average of 2.67 per household. The average house value according to local real estate values is around $173,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,606
Persons Per Household2.67
Average House Value$173,200
Income Per Household$57879
Median Age41.9
Median Age Male40.9
Median Age Female43.0
33823 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
County FIPS105
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameLakeland-Winter Haven, FL
MSA_NameLakeland-Winter Haven, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses622
Number Of Employees9049
Business First Quarter Payroll89302
Business Annual Payroll382912
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 Residential15106
Delivery Business582
Delivery Total16709
Preferred Last Line KeyY21388
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY21388
Land Area34.906000
Water Area8.482000
City Alias Code
City Mixed CaseAuburndale
City Alias Mixed CaseAuburndale
Box Count702
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number110390
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 […]