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33908 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 33908 zip code it's important to know that our rates are very competitive for homeowners living in Fort Myers, FL. Many homeowners based out of your 33908 area have found it very easy to shop with For example, we 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. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33908 should appear in the zip code field ready to go. For Fort Myers, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

33908: Average Home Insurance Rates

For homeowners living in the great city of Fort Myers, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1564 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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33908 Home Insurance Average Premiums

Local 33908 homeowners insurance quotes comparison

$1314 /yr.

Shows Zip Code: 33908 lowest rates with discounts applied on average.

For the 33908, 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)
$1314 /yr.
Average Coverage:$1564 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1864 /yr.

What is the average home insurance cost for a home in 33908?

  • • The average homeowners insurance premium paid annually for a home in 33908 is around $1564 per year.

What does it cost on average per month for home insurance in 33908?

  • • Homeowners in 33908 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 33908?

  • • Autoowners in 33908 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 Fort Myers area, check out other zip codes nearby 33908.
Review average rates in another zip code:
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33907 homeowners insurance rates
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33966 homeowners insurance rates

Home Replacement Cost Coverage in 33908

Average Building Cost Per Square Foot in 33908: $167

Location: Fort Myers, Florida (Lee County)

Average Square Footage in 33908: 1,604 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33908 before you start any project. Fort Myers 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 33908 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 33908 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,604 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 Fort Myers 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$1671,604$267,900
Additional Upgrades & Added Features$2091,604$334,875
Major Home Updates or Advancements$2511,604$401,850

It's important to understand that when you estimate your replacement cost of your home in the 33908 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 33908

Coppin Dave Insurance

Address: 15271 McGregor Boulevard Fort Myers, FL 33908
Phone: (239)489-2442

Best Home & Auto Insurance Agencies in 33908

Allstate Insurance

Address: 15271 McGregor Blvd, #3 Fort Myers, FL 33908
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Allstate Insurance Company - Kathy Orr

Address: 15880 Summerlin Rd Fort Myers, FL 33908

Allstate Insurance Company - Julie Keating

Address: 16120 San Carlos Blvd Fort Myers, FL 33908

Allstate Insurance-Kathy M. Orr- CIC- LUTCF

Address: 15880 Summerlin Rd, #306 Fort Myers, FL 33908
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

A Aaabacus Mr Auto Insurance

Address: 15200 S Tamiami Trl, #104 Fort Myers, FL 33908

Housing Demographics for 33908

Population Review for 33908 Zip Code

For the city of Fort Myers, the population within 33908 has increased to over 49,960 residents in population size. The current population total is 43,110. We have broken down the population based on race below. In 33908, there are over 20300 in male population and 22810 females.

Total Population43,110
White Population36744
Black Population1055
Hispanic Population4110
Asian Population947
Hawaiian Population12
Indian Population88
Other Population1489
Male Population20300
Female Population22810
Population Estimate49960

Household Data for 33908

The average number of homes in 33908 is around 21,234, there are an average of 1.96 per household. The average house value according to local real estate values is around $267,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode21,234
Persons Per Household1.96
Average House Value$267,900
Income Per Household$61875
Median Age63.4
Median Age Male62.8
Median Age Female63.8
33908 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityFort Myers
City Alias NameFORT MYERS
County FIPS071
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameCape Coral-Fort Myers, FL
MSA_NameFort Myers-Cape Coral, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1252
Number Of Employees15015
Business First Quarter Payroll170701
Business Annual Payroll752087
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population618754
CBSA Division Population0
Congressional District19
Congressional LandArea750.37
Delivery Residential25490
Delivery Business1164
Delivery Total29102
Preferred Last Line KeyY21886
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21886
Land Area34.227000
Water Area14.377000
City Alias Code
City Mixed CaseFort Myers
City Alias Mixed CaseFort Myers
Box Count0
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113075
Unique ZIP Name
SSA State County Code10350
Medicare CBSA Code15980
Medicare CBSA NameCape Coral-Fort Myers, FL
Medicare CBSA TypeMetro
Market Rating Area ID35
County Mixed CaseLee

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: […]