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33976 Home Insurance Rates

Getting multiple homeowners insurance rates in 33976 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Lehigh Acres, FL. Many homeowners based out of the 33976 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 33976 should appear in the zip code field ready to go. For Lehigh Acres, FL Home Insurance Quotes, Click to easily get started!

33976 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 33976 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Lehigh Acres. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1589. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 33976 zip code today and let us help you save time and money on your homeowners insurance premium.

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33976 Home Insurance Average Premiums

Local 33976 homeowners insurance quotes comparison

$1339 /yr.

Shows Zip Code: 33976 lowest rates with discounts applied on average.

For the 33976, 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)
$1339 /yr.
Average Coverage:$1589 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1889 /yr.

What is the average home insurance cost for a home in 33976?

  • • The average homeowners insurance premium paid annually for a home in 33976 is around $1589 per year.

What does it cost on average per month for home insurance in 33976?

  • • Homeowners in 33976 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 33976?

  • • Autoowners in 33976 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 Lehigh Acres area, check out other zip codes nearby 33976.
Review average rates in another zip code:
33936 homeowners insurance rates
33973 homeowners insurance rates
33974 homeowners insurance rates
33972 homeowners insurance rates
33976 homeowners insurance rates
33971 homeowners insurance rates

Home Replacement Cost Coverage in 33976

Average Building Cost Per Square Foot in 33976: $167

Location: Lehigh Acres, Florida (Lee County)

Average Square Footage in 33976: 1,115 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33976 before you start any project. Lehigh Acres 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 33976 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 33976 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,115 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 Lehigh Acres 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$1671,115$186,200
Additional Upgrades & Added Features$2091,115$232,750
Major Home Updates or Advancements$2511,115$279,300

It's important to understand that when you estimate your replacement cost of your home in the 33976 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 33976

Best Home & Auto Insurance Agencies in 33976

Housing Demographics for 33976

Population Review for 33976 Zip Code

For the city of Lehigh Acres, the population within 33976 has increased to over 21,420 residents in population size. The current population total is 17,017. We have broken down the population based on race below. In 33976, there are over 8448 in male population and 8569 females.

Total Population17,017
White Population5978
Black Population3976
Hispanic Population8524
Asian Population189
Hawaiian Population8
Indian Population120
Other Population2717
Male Population8448
Female Population8569
Population Estimate21420

Household Data for 33976

The average number of homes in 33976 is around 4,916, there are an average of 3.46 per household. The average house value according to local real estate values is around $186,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,916
Persons Per Household3.46
Average House Value$186,200
Income Per Household$58269
Median Age31.4
Median Age Male30.4
Median Age Female32.3
33976 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityLehigh Acres
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 Businesses132
Number Of Employees439
Business First Quarter Payroll2507
Business Annual Payroll10616
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|19
Congressional LandArea6369.97|750.37
Delivery Residential6191
Delivery Business4
Delivery Total6195
Preferred Last Line KeyY22256
Classification Code
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY22256
Land Area9.278000
Water Area0.012000
City Alias Code
City Mixed CaseLehigh Acres
City Alias Mixed CaseLehigh Acres
Box Count0
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number115190
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: […]