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Homeowners Insurance coverage in 33830

If you are a homeowner in 33830 or Bartow, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Bartow.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 33830.

Learn more about our homeowners insurance shopping service by selecting the best Bartow, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 33830?

Residents of Bartow have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 33830 zipcode, expect to pay around $1596 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Bartow does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

33830 Home Insurance Average Premiums

Local 33830 homeowners insurance quotes comparison

$1346 /yr.

Shows Zip Code: 33830 lowest rates with discounts applied on average.

For the 33830, 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)
$1346 /yr.
Average Coverage:$1596 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1896 /yr.

What is the average home insurance cost for a home in 33830?

  • • The average homeowners insurance premium paid annually for a home in 33830 is around $1596 per year.

What does it cost on average per month for home insurance in 33830?

  • • Homeowners in 33830 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33830?

  • • Autoowners in 33830 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 Bartow area, check out other zip codes nearby 33830.
Review average rates in another zip code:
33830 homeowners insurance rates

Home Replacement Cost Coverage in 33830

Average Building Cost Per Square Foot in 33830: $167

Location: Bartow, Florida (Polk County)

Average Square Footage in 33830: 967 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33830 before you start any project. Bartow 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 33830 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 33830 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 967 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 Bartow 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$167967$161,500
Additional Upgrades & Added Features$209967$201,875
Major Home Updates or Advancements$251967$242,250

It's important to understand that when you estimate your replacement cost of your home in the 33830 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 33830

Best Home & Auto Insurance Agencies in 33830

Asher Insurance - Lake Wales

Address: 230 Old Winter Haven Rd Bartow, FL 33830
Phone:
Website:
Info:

Leo, Longworth Bartow - State Farm Insurance Auto Car Life 33830 33880

Address: 1610 N Broadway Ave Bartow, FL 33830
Phone:
Website:
Info:

Michell, Githens Bartow - State Farm Seguros De Auto Carro Vida 33830 33841

Address: 595 W Main St Bartow, FL 33830
Phone:
Website: http://www.githensinsurance.com/
Info:

State Farm Insurance

Address: 580 E Main St Bartow, FL 33830
Phone:
Website: http://www.costelloagency.com/
Info:

Polk-Murphy Insurance Agency Incorporated

Address: 1620 N Park Ave Bartow, FL 33830
Phone:
Website:
Info:

Housing Demographics for 33830

Population Review for 33830 Zip Code

For the city of Bartow, the population within 33830 has increased to over 30,848 residents in population size. The current population total is 29,926. We have broken down the population based on race below. In 33830, there are over 14148 in male population and 15778 females.

PopulationValues
Total Population29,926
White Population18403
Black Population5745
Hispanic Population5946
Asian Population351
Hawaiian Population7
Indian Population153
Other Population2184
Male Population14148
Female Population15778
Population Estimate30848

Household Data for 33830

The average number of homes in 33830 is around 10,791, there are an average of 2.69 per household. The average house value according to local real estate values is around $161,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,791
Persons Per Household2.69
Average House Value$161,500
Income Per Household$50298
Median Age38.3
Median Age Male36.6
Median Age Female40.0
33830 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
CityBartow
City Alias NameBARTOW
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 Businesses604
Number Of Employees9259
Business First Quarter Payroll114261
Business Annual Payroll477023
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 Residential11468
Delivery Business788
Delivery Total12321
Preferred Last Line KeyY21414
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21414
Land Area120.533000
Water Area19.854000
City Alias Code
City Mixed CaseBartow
City Alias Mixed CaseBartow
Box Count0
SFDU8170
MFDU848
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number110555
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 […]