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Compare 33983 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 33983 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,669/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 33983 zip code, the population size is around 16,124 with 7,122 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 33983.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Punta Gorda, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

33983 Home Insurance Average Premiums

Local 33983 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 33983 lowest rates with discounts applied on average.

For the 33983, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 33983?

  • • The average homeowners insurance premium paid annually for a home in 33983 is around $1669 per year.

What does it cost on average per month for home insurance in 33983?

  • • Homeowners in 33983 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 33983?

  • • Autoowners in 33983 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 Punta Gorda area, check out other zip codes nearby 33983.
Review average rates in another zip code:
33980 homeowners insurance rates
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33950 homeowners insurance rates
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33955 homeowners insurance rates

Home Replacement Cost Coverage in 33983

Average Building Cost Per Square Foot in 33983: $167

Location: Punta Gorda, Florida (Charlotte County)

Average Square Footage in 33983: 1,590 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33983 before you start any project. Punta Gorda 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 33983 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 33983 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,590 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 Punta Gorda 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$1671,590$265,500
Additional Upgrades & Added Features$2091,590$331,875
Major Home Updates or Advancements$2511,590$398,250

It's important to understand that when you estimate your replacement cost of your home in the 33983 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 33983

Best Home & Auto Insurance Agencies in 33983

Housing Demographics for 33983

Population Review for 33983 Zip Code

For the city of Punta Gorda, the population within 33983 has increased to over 19,122 residents in population size. The current population total is 16,124. We have broken down the population based on race below. In 33983, there are over 7630 in male population and 8494 females.

PopulationValues
Total Population16,124
White Population12796
Black Population1384
Hispanic Population1343
Asian Population285
Hawaiian Population6
Indian Population42
Other Population356
Male Population7630
Female Population8494
Population Estimate19122

Household Data for 33983

The average number of homes in 33983 is around 7,122, there are an average of 2.23 per household. The average house value according to local real estate values is around $265,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,122
Persons Per Household2.23
Average House Value$265,500
Income Per Household$60954
Median Age58.3
Median Age Male57.9
Median Age Female58.5
33983 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
CityPunta Gorda
City Alias NamePUNTA GORDA
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 Businesses150
Number Of Employees1247
Business First Quarter Payroll11070
Business Annual Payroll48621
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 Residential8575
Delivery Business145
Delivery Total11921
Preferred Last Line KeyY22768
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY22768
Land Area10.633000
Water Area1.069000
City Alias Code
City Mixed CasePunta Gorda
City Alias Mixed CasePunta Gorda
Box Count0
SFDU6440
MFDU698
State ANSI12
County ANSI015
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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

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