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33859 Home Insurance Rates

Getting multiple homeowners insurance rates in 33859 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Lake Wales, FL. Many homeowners based out of the 33859 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33859 should appear in the zip code field ready to go. For Lake Wales, FL Home Insurance Quotes, Click to easily get started!

33859 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 33859 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Lake Wales. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1650. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 33859 zip code today and let us help you save time and money on your homeowners insurance premium.

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33859 Home Insurance Average Premiums

Local 33859 homeowners insurance quotes comparison

$1400 /yr.

Shows Zip Code: 33859 lowest rates with discounts applied on average.

For the 33859, 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)
$1400 /yr.
Average Coverage:$1650 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1950 /yr.

What is the average home insurance cost for a home in 33859?

  • • The average homeowners insurance premium paid annually for a home in 33859 is around $1650 per year.

What does it cost on average per month for home insurance in 33859?

  • • Homeowners in 33859 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 33859?

  • • Autoowners in 33859 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 Lake Wales area, check out other zip codes nearby 33859.
Review average rates in another zip code:
33853 homeowners insurance rates
33898 homeowners insurance rates
33859 homeowners insurance rates

Home Replacement Cost Coverage in 33859

Average Building Cost Per Square Foot in 33859: $167

Location: Lake Wales, Florida (Polk County)

Average Square Footage in 33859: 1,000 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33859 before you start any project. Lake Wales 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 33859 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 33859 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,000 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 Lake Wales 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$1671,000$167,000
Additional Upgrades & Added Features$2091,000$208,750
Major Home Updates or Advancements$2511,000$250,500

It's important to understand that when you estimate your replacement cost of your home in the 33859 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 33859

Best Home & Auto Insurance Agencies in 33859

Kevin, Weltlin Lake Wales - State Farm Insurance Auto Car Life 33859 33884

Address: 24011 US-27 Lake Wales, FL 33859
Phone:
Website: http://www.kevinweltlin.com/
Info:

Housing Demographics for 33859

Population Review for 33859 Zip Code

For the city of Lake Wales, the population within 33859 has increased to over 12,852 residents in population size. The current population total is 10,866. We have broken down the population based on race below. In 33859, there are over 5242 in male population and 5624 females.

PopulationValues
Total Population10,866
White Population8036
Black Population697
Hispanic Population2397
Asian Population105
Hawaiian Population11
Indian Population61
Other Population855
Male Population5242
Female Population5624
Population Estimate12852

Household Data for 33859

The average number of homes in 33859 is around 4,582, there are an average of 2.35 per household. The average house value according to local real estate values is around $167,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,582
Persons Per Household2.35
Average House Value$167,000
Income Per Household$50879
Median Age51.7
Median Age Male50.5
Median Age Female52.8
33859 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
CityLake Wales
City Alias NameLAKE WALES
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 Businesses186
Number Of Employees3949
Business First Quarter Payroll40646
Business Annual Payroll179708
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 Residential5469
Delivery Business306
Delivery Total6515
Preferred Last Line KeyY22223
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22223
Land Area45.455000
Water Area2.853000
City Alias Code
City Mixed CaseLake Wales
City Alias Mixed CaseLake Wales
Box Count515
SFDU3800
MFDU579
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
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 […]