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33920 Home Insurance Rates

For homeowners living in 33920, the population estimates are increasing to well over 6,797 with 2,657 occupied homes within the zip code of 33920. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Alva have increased and the average home insurance premium is around $1,600 per year in 33920. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 33920 zip code today so we can help you find affordable Alva, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 33920

Please select one of the three options below based on your 33920 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Lee County, FL Home Insurance
  3. Alva, FL Home Insurance Quotes

33920 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 33920 zip code just got easier with of Alva, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 33920 today and let us help you review the best home insurance quotes available for homeowners living in Alva.

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33920 Home Insurance Average Premiums

Local 33920 homeowners insurance quotes comparison

$1350 /yr.

Shows Zip Code: 33920 lowest rates with discounts applied on average.

For the 33920, 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)
$1350 /yr.
Average Coverage:$1600 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1900 /yr.

What is the average home insurance cost for a home in 33920?

  • • The average homeowners insurance premium paid annually for a home in 33920 is around $1600 per year.

What does it cost on average per month for home insurance in 33920?

  • • Homeowners in 33920 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33920?

  • • Autoowners in 33920 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 Alva area, check out other zip codes nearby 33920.
Review average rates in another zip code:
33920 homeowners insurance rates

Home Replacement Cost Coverage in 33920

Average Building Cost Per Square Foot in 33920: $167

Location: Alva, Florida (Lee County)

Average Square Footage in 33920: 1,523 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33920 before you start any project. Alva 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 33920 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 33920 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,523 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 Alva 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$1671,523$254,400
Additional Upgrades & Added Features$2091,523$318,000
Major Home Updates or Advancements$2511,523$381,600

It's important to understand that when you estimate your replacement cost of your home in the 33920 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 33920

Best Home & Auto Insurance Agencies in 33920

Housing Demographics for 33920

Population Review for 33920 Zip Code

For the city of Alva, the population within 33920 has increased to over 9,900 residents in population size. The current population total is 6,797. We have broken down the population based on race below. In 33920, there are over 3458 in male population and 3339 females.

Total Population6,797
White Population5748
Black Population290
Hispanic Population717
Asian Population40
Hawaiian Population1
Indian Population23
Other Population179
Male Population3458
Female Population3339
Population Estimate9900

Household Data for 33920

The average number of homes in 33920 is around 2,657, there are an average of 2.54 per household. The average house value according to local real estate values is around $254,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,657
Persons Per Household2.54
Average House Value$254,400
Income Per Household$77051
Median Age49.9
Median Age Male50.3
Median Age Female49.6
33920 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
City Alias NameALVA
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 Businesses127
Number Of Employees523
Business First Quarter Payroll4224
Business Annual Payroll19896
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 District17|18
Congressional LandArea6369.97|1512.55
Delivery Residential3898
Delivery Business55
Delivery Total8747
Preferred Last Line KeyY21359
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21359
Land Area62.087000
Water Area1.931000
City Alias Code
City Mixed CaseAlva
City Alias Mixed CaseAlva
Box Count292
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number110120
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: […]