Get multiple home insurance quotes in 33855. Our licensed 33855, FL agents are ready to serve you.

Homeowners Insurance in 33855

In Indian Lake Estates, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 33855 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 33855 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33855 should appear in the zip code field ready to go.

33855 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1606. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Indian Lake Estates home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 33855 Home Insurance Rates Now!

Best 3 Options to Compare in 33855

If you want homeowners insurance quotes within the city of Indian Lake Estates or in the 33855 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Indian Lake Estates, FL.

33855 Home Insurance Average Premiums

Local 33855 homeowners insurance quotes comparison

$1356 /yr.

Shows Zip Code: 33855 lowest rates with discounts applied on average.

For the 33855, 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)
$1356 /yr.
Average Coverage:$1606 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1906 /yr.

What is the average home insurance cost for a home in 33855?

  • • The average homeowners insurance premium paid annually for a home in 33855 is around $1606 per year.

What does it cost on average per month for home insurance in 33855?

  • • Homeowners in 33855 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33855?

  • • Autoowners in 33855 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 Indian Lake Estates area, check out other zip codes nearby 33855.
Review average rates in another zip code:

Home Replacement Cost Coverage in 33855

Average Building Cost Per Square Foot in 33855: $167

Location: Indian Lake Estates, Florida (Polk County)

Average Square Footage in 33855: 1,647 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33855 before you start any project. Indian Lake Estates 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 33855 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 33855 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,647 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 Indian Lake Estates 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$1671,647$275,000
Additional Upgrades & Added Features$2091,647$343,750
Major Home Updates or Advancements$2511,647$412,500

It's important to understand that when you estimate your replacement cost of your home in the 33855 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 33855

Best Home & Auto Insurance Agencies in 33855

Housing Demographics for 33855

Population Review for 33855 Zip Code

For the city of Indian Lake Estates, the population within 33855 has increased to over 0 residents in population size. The current population total is 92. We have broken down the population based on race below. In 33855, there are over 50 in male population and 42 females.

PopulationValues
Total Population92
White Population82
Black Population1
Hispanic Population13
Asian Population0
Hawaiian Population0
Indian Population1
Other Population4
Male Population50
Female Population42
Population Estimate0

Household Data for 33855

The average number of homes in 33855 is around 35, there are an average of 2.63 per household. The average house value according to local real estate values is around $275,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode35
Persons Per Household2.63
Average House Value$275,000
Income Per Household$51250
Median Age62.3
Median Age Male54.0
Median Age Female67.0
33855 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias AbbreviationINDIAN LK EST
Area Code863
CityIndian Lake Estates
City Alias NameINDIAN LAKE ESTATES
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 Businesses10
Number Of Employees57
Business First Quarter Payroll310
Business Annual Payroll1338
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 Residential0
Delivery Business0
Delivery Total607
Preferred Last Line KeyY22090
Classification CodeP
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22090
Land Area2.037000
Water Area0.000000
City Alias Code
City Mixed CaseIndian Lake Estates
City Alias Mixed CaseIndian Lake Estates
Box Count0
SFDU0
MFDU0
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114995
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 […]