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Homeowners Insurance in 33849

Getting the most affordable home insurance rates in 33849 just got easier for Kathleen, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Kathleen. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Kathleen, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 33849

When discussing Florida homeowners insurance rates, Kathleen residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 33849 zipcode are currently paying $1597 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Kathleen does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

33849 Home Insurance Average Premiums

Local 33849 homeowners insurance quotes comparison

$1347 /yr.

Shows Zip Code: 33849 lowest rates with discounts applied on average.

For the 33849, 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)
$1347 /yr.
Average Coverage:$1597 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1897 /yr.

What is the average home insurance cost for a home in 33849?

  • • The average homeowners insurance premium paid annually for a home in 33849 is around $1597 per year.

What does it cost on average per month for home insurance in 33849?

  • • Homeowners in 33849 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 33849?

  • • Autoowners in 33849 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 Kathleen area, check out other zip codes nearby 33849.
Review average rates in another zip code:
33849 homeowners insurance rates

Home Replacement Cost Coverage in 33849

Average Building Cost Per Square Foot in 33849: $167

Location: Kathleen, Florida (Polk County)

Average Square Footage in 33849: 887 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33849 before you start any project. Kathleen 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 33849 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 33849 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 887 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 Kathleen 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$167887$148,200
Additional Upgrades & Added Features$209887$185,250
Major Home Updates or Advancements$251887$222,300

It's important to understand that when you estimate your replacement cost of your home in the 33849 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 33849

Best Home & Auto Insurance Agencies in 33849

Housing Demographics for 33849

Population Review for 33849 Zip Code

For the city of Kathleen, the population within 33849 has increased to over 780 residents in population size. The current population total is 711. We have broken down the population based on race below. In 33849, there are over 384 in male population and 327 females.

PopulationValues
Total Population711
White Population610
Black Population18
Hispanic Population64
Asian Population9
Hawaiian Population1
Indian Population10
Other Population6
Male Population384
Female Population327
Population Estimate780

Household Data for 33849

The average number of homes in 33849 is around 237, there are an average of 3.00 per household. The average house value according to local real estate values is around $148,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode237
Persons Per Household3.00
Average House Value$148,200
Income Per Household$28810
Median Age44.6
Median Age Male44.2
Median Age Female47.4
33849 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
CityKathleen
City Alias NameKATHLEEN
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 Businesses16
Number Of Employees39
Business First Quarter Payroll258
Business Annual Payroll1129
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 District12|15
Congressional LandArea883.75|818.51
Delivery Residential260
Delivery Business2
Delivery Total922
Preferred Last Line KeyY22156
Classification Code
Multi-CountyY
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22156
Land Area22.449000
Water Area0.184000
City Alias Code
City Mixed CaseKathleen
City Alias Mixed CaseKathleen
Box Count465
SFDU260
MFDU0
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114515
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 […]