Get multiple home insurance quotes in 33857. Our licensed 33857, FL agents are ready to serve you.

Home Insurance Quotes in 33857

Are you shopping for a cheaper homeowners insurance rate in 33857? Our rates are very competitive for homeowners living in Lorida, FL. Many homeowners located in the 33857 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 33857. To get free 33857 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33857 zip code should appear in the zip code field ready to go. Shopping Lorida, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 33857 to review the best rate coverages.

Your 33857 Home Insurance Costs Is Rated: Very High!

For the great city of Lorida, the average home insurance premium paid annually is around $1637 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Lorida and need insurance on your home in the 33857 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 33857 Homeowners Insurance Rates Now!

33857 Home Insurance Average Premiums

Local 33857 homeowners insurance quotes comparison

$1387 /yr.

Shows Zip Code: 33857 lowest rates with discounts applied on average.

For the 33857, 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)
$1387 /yr.
Average Coverage:$1637 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1937 /yr.

What is the average home insurance cost for a home in 33857?

  • • The average homeowners insurance premium paid annually for a home in 33857 is around $1637 per year.

What does it cost on average per month for home insurance in 33857?

  • • Homeowners in 33857 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 33857?

  • • Autoowners in 33857 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 Lorida area, check out other zip codes nearby 33857.
Review average rates in another zip code:
33857 homeowners insurance rates

Home Replacement Cost Coverage in 33857

Average Building Cost Per Square Foot in 33857: $167

Location: Lorida, Florida (Highlands County)

Average Square Footage in 33857: 420 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33857 before you start any project. Lorida 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 33857 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 33857 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 420 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 Lorida 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$167420$70,100
Additional Upgrades & Added Features$209420$87,625
Major Home Updates or Advancements$251420$105,150

It's important to understand that when you estimate your replacement cost of your home in the 33857 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 33857

Best Home & Auto Insurance Agencies in 33857

Housing Demographics for 33857

Population Review for 33857 Zip Code

For the city of Lorida, the population within 33857 has increased to over 1,833 residents in population size. The current population total is 1,378. We have broken down the population based on race below. In 33857, there are over 703 in male population and 675 females.

Total Population1,378
White Population1205
Black Population20
Hispanic Population172
Asian Population5
Hawaiian Population0
Indian Population7
Other Population48
Male Population703
Female Population675
Population Estimate1833

Household Data for 33857

The average number of homes in 33857 is around 633, there are an average of 2.18 per household. The average house value according to local real estate values is around $70,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode633
Persons Per Household2.18
Average House Value$70,100
Income Per Household$32304
Median Age59.5
Median Age Male59.1
Median Age Female60.1
33857 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
City Alias NameLORIDA
County FIPS055
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameSebring, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses21
Number Of Employees38
Business First Quarter Payroll193
Business Annual Payroll796
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98786
CBSA Division Population0
Congressional District18
Congressional LandArea1512.55
Delivery Residential841
Delivery Business15
Delivery Total1127
Preferred Last Line KeyY22290
Classification Code
CSA Name
City State KeyY22290
Land Area148.916000
Water Area27.236000
City Alias Code
City Mixed CaseLorida
City Alias Mixed CaseLorida
Box Count253
State ANSI12
County ANSI055
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number115355
Unique ZIP Name
SSA State County Code10270
Medicare CBSA Code42700
Medicare CBSA NameSebring-Avon Park, FL
Medicare CBSA TypeMetro
Market Rating Area ID27
County Mixed CaseHighlands

Florida Homeowners Insurance News & Information

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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: […]