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33981 Home Insurance Quotes & Rates

Currently, the 6,074 homes within the 33981 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,598 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Port Charlotte, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 33981.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Port Charlotte home insurance quotes all in one place then of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 33981 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Port Charlotte, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Port Charlotte, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

33981 Home Insurance Average Premiums

Local 33981 homeowners insurance quotes comparison

$1348 /yr.

Shows Zip Code: 33981 lowest rates with discounts applied on average.

For the 33981, 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)
$1348 /yr.
Average Coverage:$1598 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1898 /yr.

What is the average home insurance cost for a home in 33981?

  • • The average homeowners insurance premium paid annually for a home in 33981 is around $1598 per year.

What does it cost on average per month for home insurance in 33981?

  • • Homeowners in 33981 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 33981?

  • • Autoowners in 33981 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 33981.
Review average rates in another zip code:
33953 homeowners insurance rates
33954 homeowners insurance rates
33952 homeowners insurance rates
33948 homeowners insurance rates
33981 homeowners insurance rates

Home Replacement Cost Coverage in 33981

Average Building Cost Per Square Foot in 33981: $167

Location: Port Charlotte, Florida (Charlotte County)

Average Square Footage in 33981: 1,639 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33981 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 33981 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 33981 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,639 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$1671,639$273,700
Additional Upgrades & Added Features$2091,639$342,125
Major Home Updates or Advancements$2511,639$410,550

It's important to understand that when you estimate your replacement cost of your home in the 33981 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 33981

Best Home & Auto Insurance Agencies in 33981

Housing Demographics for 33981

Population Review for 33981 Zip Code

For the city of Port Charlotte, the population within 33981 has increased to over 18,955 residents in population size. The current population total is 13,574. We have broken down the population based on race below. In 33981, there are over 6699 in male population and 6875 females.

Total Population13,574
White Population12157
Black Population205
Hispanic Population729
Asian Population145
Hawaiian Population3
Indian Population28
Other Population164
Male Population6699
Female Population6875
Population Estimate18955

Household Data for 33981

The average number of homes in 33981 is around 6,074, there are an average of 2.23 per household. The average house value according to local real estate values is around $273,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,074
Persons Per Household2.23
Average House Value$273,700
Income Per Household$61544
Median Age59.6
Median Age Male60.1
Median Age Female59.2
33981 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationPT CHARLOTTE
Area Code941
CityPort Charlotte
County FIPS015
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NamePunta Gorda, FL
MSA_NamePunta Gorda, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses204
Number Of Employees1208
Business First Quarter Payroll9715
Business Annual Payroll44915
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 Residential8500
Delivery Business112
Delivery Total10047
Preferred Last Line KeyY22737
Classification Code
CSA NameNorth Port-Bradenton, FL
City State KeyY22737
Land Area45.443000
Water Area11.862000
City Alias Code
City Mixed CasePort Charlotte
City Alias Mixed CasePort Charlotte
Box Count0
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: […]