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Searching for Homeowners Insurance in 33954

If you are a homeowners that lives in 33954 you may be searching for more affordable homeowners insurance in Port Charlotte. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Port Charlotte, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 33954 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Port Charlotte, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 33954 Home Insurance Costs: very high!

In Port Charlotte, homeowners are paying roughly $1675 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 33954 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Port Charlotte are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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33954 Home Insurance Average Premiums

Local 33954 homeowners insurance quotes comparison

$1425 /yr.

Shows Zip Code: 33954 lowest rates with discounts applied on average.

For the 33954, 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)
$1425 /yr.
Average Coverage:$1675 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1975 /yr.

What is the average home insurance cost for a home in 33954?

  • • The average homeowners insurance premium paid annually for a home in 33954 is around $1675 per year.

What does it cost on average per month for home insurance in 33954?

  • • Homeowners in 33954 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 33954?

  • • Autoowners in 33954 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 Port Charlotte area, check out other zip codes nearby 33954.
Review average rates in another zip code:
33981 homeowners insurance rates
33948 homeowners insurance rates
33953 homeowners insurance rates
33954 homeowners insurance rates
33952 homeowners insurance rates

Home Replacement Cost Coverage in 33954

Average Building Cost Per Square Foot in 33954: $167

Location: Port Charlotte, Florida (Charlotte County)

Average Square Footage in 33954: 1,489 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33954 before you start any project. Port Charlotte 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 33954 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 33954 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,489 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 Port Charlotte 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$1671,489$248,700
Additional Upgrades & Added Features$2091,489$310,875
Major Home Updates or Advancements$2511,489$373,050

It's important to understand that when you estimate your replacement cost of your home in the 33954 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 33954

Best Home & Auto Insurance Agencies in 33954

Housing Demographics for 33954

Population Review for 33954 Zip Code

For the city of Port Charlotte, the population within 33954 has increased to over 13,009 residents in population size. The current population total is 11,040. We have broken down the population based on race below. In 33954, there are over 5378 in male population and 5662 females.

PopulationValues
Total Population11,040
White Population8549
Black Population922
Hispanic Population1208
Asian Population210
Hawaiian Population9
Indian Population45
Other Population308
Male Population5378
Female Population5662
Population Estimate13009

Household Data for 33954

The average number of homes in 33954 is around 4,543, there are an average of 2.38 per household. The average house value according to local real estate values is around $248,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,543
Persons Per Household2.38
Average House Value$248,700
Income Per Household$73098
Median Age52.5
Median Age Male51.2
Median Age Female54.0
33954 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias AbbreviationPT CHARLOTTE
Area Code941
CityPort Charlotte
City Alias NamePORT CHARLOTTE
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 Businesses262
Number Of Employees2174
Business First Quarter Payroll19168
Business Annual Payroll85635
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 Residential5466
Delivery Business288
Delivery Total6528
Preferred Last Line KeyY22737
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY22737
Land Area8.609000
Water Area0.425000
City Alias Code
City Mixed CasePort Charlotte
City Alias Mixed CasePort Charlotte
Box Count0
SFDU4545
MFDU334
State ANSI12
County ANSI015
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number117815
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: […]