Get multiple home insurance quotes in 33946. Our licensed 33946, FL agents are ready to serve you.

Home Insurance in 33946

One of the best ways to save money on your homeowners insurance policy in the 33946 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Placida, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 33946 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 33946

Find Placida, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 33946

According to industry data, homeowners located in Placida pay roughly $1600 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 33946 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 33946 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 33946 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 33946.

Let us find you a great policy at an affordable price, get 33946 homeowners insurance quotes now.

33946 Home Insurance Average Premiums

Local 33946 homeowners insurance quotes comparison

$1350 /yr.

Shows Zip Code: 33946 lowest rates with discounts applied on average.

For the 33946, 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 33946?

  • • The average homeowners insurance premium paid annually for a home in 33946 is around $1600 per year.

What does it cost on average per month for home insurance in 33946?

  • • Homeowners in 33946 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 33946?

  • • Autoowners in 33946 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 Placida area, check out other zip codes nearby 33946.
Review average rates in another zip code:
33946 homeowners insurance rates

Home Replacement Cost Coverage in 33946

Average Building Cost Per Square Foot in 33946: $167

Location: Placida, Florida (Charlotte County)

Average Square Footage in 33946: 3,048 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33946 before you start any project. Placida 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 33946 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 33946 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,048 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 Placida 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$1673,048$509,000
Additional Upgrades & Added Features$2093,048$636,250
Major Home Updates or Advancements$2513,048$763,500

It's important to understand that when you estimate your replacement cost of your home in the 33946 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 33946

Best Home & Auto Insurance Agencies in 33946

Housing Demographics for 33946

Population Review for 33946 Zip Code

For the city of Placida, the population within 33946 has increased to over 3,056 residents in population size. The current population total is 2,485. We have broken down the population based on race below. In 33946, there are over 1234 in male population and 1251 females.

PopulationValues
Total Population2,485
White Population2348
Black Population10
Hispanic Population49
Asian Population9
Hawaiian Population2
Indian Population0
Other Population13
Male Population1234
Female Population1251
Population Estimate3056

Household Data for 33946

The average number of homes in 33946 is around 1,303, there are an average of 1.91 per household. The average house value according to local real estate values is around $509,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,303
Persons Per Household1.91
Average House Value$509,000
Income Per Household$90625
Median Age67.2
Median Age Male67.2
Median Age Female67.2
33946 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
CityPlacida
City Alias NamePLACIDA
CountyCharlotte
County FIPS015
State FIPS12
Time Zone5
Day Light SavingY
MSA6580
PMSA
CSA412
CBSA39460
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePunta Gorda, FL
MSA_NamePunta Gorda, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses81
Number Of Employees490
Business First Quarter Payroll4569
Business Annual Payroll21577
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population159978
CBSA Division Population0
Congressional District17
Congressional LandArea6369.97
Delivery Residential1600
Delivery Business35
Delivery Total2353
Preferred Last Line KeyY22707
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY22707
Land Area10.759000
Water Area3.934000
City Alias Code
City Mixed CasePlacida
City Alias Mixed CasePlacida
Box Count576
SFDU863
MFDU351
State ANSI12
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number117554
Unique ZIP Name
SSA State County Code10070
Medicare CBSA Code39460
Medicare CBSA NamePunta Gorda, FL
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseCharlotte

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: […]