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Compare 33931 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Fort Myers Beach just got easier with the quick quoting system provided by We make it easier for you and your 5,295 neighbors looking to save on their home insurance policy in the local 33931 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 33931. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Fort Myers Beach, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Fort Myers Beach, FL

33931 Home Insurance Average Premiums

Local 33931 homeowners insurance quotes comparison

$1361 /yr.

Shows Zip Code: 33931 lowest rates with discounts applied on average.

For the 33931, 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)
$1361 /yr.
Average Coverage:$1611 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1911 /yr.

What is the average home insurance cost for a home in 33931?

  • • The average homeowners insurance premium paid annually for a home in 33931 is around $1611 per year.

What does it cost on average per month for home insurance in 33931?

  • • Homeowners in 33931 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33931?

  • • Autoowners in 33931 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 Beach area, check out other zip codes nearby 33931.
Review average rates in another zip code:
33931 homeowners insurance rates

Home Replacement Cost Coverage in 33931

Average Building Cost Per Square Foot in 33931: $167

Location: Fort Myers Beach, Florida (Lee County)

Average Square Footage in 33931: 2,148 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33931 before you start any project. Fort Myers Beach 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 33931 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 33931 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,148 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 Beach 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$1672,148$358,700
Additional Upgrades & Added Features$2092,148$448,375
Major Home Updates or Advancements$2512,148$538,050

It's important to understand that when you estimate your replacement cost of your home in the 33931 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 33931

Best Home & Auto Insurance Agencies in 33931

Allstate Insurance Company - Mary Sornson

Address: Fort Myers, FL 33931

Housing Demographics for 33931

Population Review for 33931 Zip Code

For the city of Fort Myers Beach, the population within 33931 has increased to over 6,262 residents in population size. The current population total is 9,389. We have broken down the population based on race below. In 33931, there are over 4622 in male population and 4767 females.

Total Population9,389
White Population8920
Black Population24
Hispanic Population284
Asian Population29
Hawaiian Population9
Indian Population23
Other Population84
Male Population4622
Female Population4767
Population Estimate6262

Household Data for 33931

The average number of homes in 33931 is around 5,295, there are an average of 1.76 per household. The average house value according to local real estate values is around $358,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,295
Persons Per Household1.76
Average House Value$358,700
Income Per Household$66898
Median Age68.4
Median Age Male68.8
Median Age Female67.9
33931 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationFT MYERS BCH
Area Code239
CityFort Myers Beach
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 Businesses365
Number Of Employees4360
Business First Quarter Payroll32778
Business Annual Payroll139005
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 Residential3558
Delivery Business167
Delivery Total3642
Preferred Last Line KeyY21888
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21888
Land Area10.291000
Water Area10.049000
City Alias Code
City Mixed CaseFort Myers Beach
City Alias Mixed CaseFort Myers Beach
Box Count0
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113080
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: […]