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33877, FL Homeowners Insurance Rates

With a population size of 590 and with 229 occupied homes in the 33877 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Waverly, FL are around $1,652 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Waverly, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Waverly, FL.

For Florida home insurance information, including average Waverly home insurance rates, coverage options or the different homeowners insurance types, please select Waverly, FL Home Insurance Quotes Now!

33877 Home Insurance Average Premiums

Local 33877 homeowners insurance quotes comparison

$1402 /yr.

Shows Zip Code: 33877 lowest rates with discounts applied on average.

For the 33877, 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)
$1402 /yr.
Average Coverage:$1652 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1952 /yr.

What is the average home insurance cost for a home in 33877?

  • • The average homeowners insurance premium paid annually for a home in 33877 is around $1652 per year.

What does it cost on average per month for home insurance in 33877?

  • • Homeowners in 33877 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 33877?

  • • Autoowners in 33877 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 Waverly area, check out other zip codes nearby 33877.
Review average rates in another zip code:
33877 homeowners insurance rates

Home Replacement Cost Coverage in 33877

Average Building Cost Per Square Foot in 33877: $167

Location: Waverly, Florida (Polk County)

Average Square Footage in 33877: 1,001 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33877 before you start any project. Waverly 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 33877 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 33877 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,001 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 Waverly 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$1671,001$167,200
Additional Upgrades & Added Features$2091,001$209,000
Major Home Updates or Advancements$2511,001$250,800

It's important to understand that when you estimate your replacement cost of your home in the 33877 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 33877

Best Home & Auto Insurance Agencies in 33877

Housing Demographics for 33877

Population Review for 33877 Zip Code

For the city of Waverly, the population within 33877 has increased to over 0 residents in population size. The current population total is 590. We have broken down the population based on race below. In 33877, there are over 286 in male population and 304 females.

PopulationValues
Total Population590
White Population246
Black Population233
Hispanic Population136
Asian Population2
Hawaiian Population0
Indian Population2
Other Population40
Male Population286
Female Population304
Population Estimate0

Household Data for 33877

The average number of homes in 33877 is around 229, there are an average of 2.58 per household. The average house value according to local real estate values is around $167,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode229
Persons Per Household2.58
Average House Value$167,200
Income Per Household$0
Median Age41.4
Median Age Male39.6
Median Age Female44.5
33877 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code863
CityWaverly
City Alias NameWAVERLY
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 Businesses12
Number Of Employees101
Business First Quarter Payroll1389
Business Annual Payroll5104
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 Total359
Preferred Last Line KeyY23203
Classification CodeP
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY23203
Land Area2.096000
Water Area0.157000
City Alias Code
City Mixed CaseWaverly
City Alias Mixed CaseWaverly
Box Count77
SFDU0
MFDU0
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119360
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 […]