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Home Insurance in 33909

Our rates are very competitive for homeowners living in the 33909 zip code. Many homeowners based out of Cape Coral, FL 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 FL 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 33909 should appear in the zip code field ready to go.

33909 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Cape Coral area? The average homeowners premium in 33909 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 33909, you can expect to pay around $1639 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 33909 Today!

Get Home Insurance Quotes in 33909

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 33909 home insurance shopping today!

  1. Cape Coral, FL Home Insurance Quotes

33909 Home Insurance Average Premiums

Local 33909 homeowners insurance quotes comparison

$1389 /yr.

Shows Zip Code: 33909 lowest rates with discounts applied on average.

For the 33909, 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)
$1389 /yr.
Average Coverage:$1639 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1939 /yr.

What is the average home insurance cost for a home in 33909?

  • • The average homeowners insurance premium paid annually for a home in 33909 is around $1639 per year.

What does it cost on average per month for home insurance in 33909?

  • • Homeowners in 33909 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 33909?

  • • Autoowners in 33909 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 Cape Coral area, check out other zip codes nearby 33909.
Review average rates in another zip code:
33909 homeowners insurance rates
33993 homeowners insurance rates
33991 homeowners insurance rates
33914 homeowners insurance rates
33904 homeowners insurance rates
33990 homeowners insurance rates

Home Replacement Cost Coverage in 33909

Average Building Cost Per Square Foot in 33909: $167

Location: Cape Coral, Florida (Lee County)

Average Square Footage in 33909: 1,286 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33909 before you start any project. Cape Coral 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 33909 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 33909 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,286 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 Cape Coral 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$1671,286$214,700
Additional Upgrades & Added Features$2091,286$268,375
Major Home Updates or Advancements$2511,286$322,050

It's important to understand that when you estimate your replacement cost of your home in the 33909 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 33909

Best Home & Auto Insurance Agencies in 33909

Woodard, Steve - Allstate Insurance Company

Address: 234 Del Prado Blvd N Cape Coral, FL 33909

Halbrehder Family Agency

Address: 601 Del Prado Blvd N Cape Coral, FL 33909

Housing Demographics for 33909

Population Review for 33909 Zip Code

For the city of Cape Coral, the population within 33909 has increased to over 43,377 residents in population size. The current population total is 33,063. We have broken down the population based on race below. In 33909, there are over 16226 in male population and 16837 females.

Total Population33,063
White Population21292
Black Population2119
Hispanic Population10425
Asian Population565
Hawaiian Population21
Indian Population98
Other Population2431
Male Population16226
Female Population16837
Population Estimate43377

Household Data for 33909

The average number of homes in 33909 is around 11,801, there are an average of 2.80 per household. The average house value according to local real estate values is around $214,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,801
Persons Per Household2.80
Average House Value$214,700
Income Per Household$67325
Median Age38.9
Median Age Male38.1
Median Age Female39.6
33909 DetailsValues
State Full NameFlorida
City TypeN
City Alias Abbreviation
Area Code239
CityCape Coral
City Alias NameCAPE CORAL
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 Businesses729
Number Of Employees6693
Business First Quarter Payroll57100
Business Annual Payroll260393
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 Residential15492
Delivery Business903
Delivery Total22368
Preferred Last Line KeyY21536
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21536
Land Area37.823000
Water Area1.060000
City Alias Code
City Mixed CaseCape Coral
City Alias Mixed CaseCape Coral
Box Count0
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
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: […]