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34103, FL Homeowners Insurance Rates

With a population size of 11,822 and with 5,945 occupied homes in the 34103 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Naples, FL are around $1,775 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Naples, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Naples, FL.

For Florida home insurance information, including average Naples home insurance rates, coverage options or the different homeowners insurance types, please select Naples, FL Home Insurance Quotes Now!

34103 Home Insurance Average Premiums

Local 34103 homeowners insurance quotes comparison

$1525 /yr.

Shows Zip Code: 34103 lowest rates with discounts applied on average.

For the 34103, 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)
$1525 /yr.
Average Coverage:$1775 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2075 /yr.

What is the average home insurance cost for a home in 34103?

  • • The average homeowners insurance premium paid annually for a home in 34103 is around $1775 per year.

What does it cost on average per month for home insurance in 34103?

  • • Homeowners in 34103 pay a monthly average cost per month around $148.00.

What kind of discount could I get if I combine my home and auto insurance together in 34103?

  • • Autoowners in 34103 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 Naples area, check out other zip codes nearby 34103.
Review average rates in another zip code:
34109 homeowners insurance rates
34114 homeowners insurance rates
34116 homeowners insurance rates
34104 homeowners insurance rates
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34112 homeowners insurance rates
34120 homeowners insurance rates
34102 homeowners insurance rates
34113 homeowners insurance rates
34108 homeowners insurance rates

Home Replacement Cost Coverage in 34103

Average Building Cost Per Square Foot in 34103: $167

Location: Naples, Florida (Collier County)

Average Square Footage in 34103: 4,733 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34103 before you start any project. Naples 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 34103 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 34103 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,733 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 Naples 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$1674,733$790,400
Additional Upgrades & Added Features$2094,733$988,000
Major Home Updates or Advancements$2514,733$1,185,600

It's important to understand that when you estimate your replacement cost of your home in the 34103 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 34103

Burton Insurance Services Inc

Address: 5100 Tamiami Trail North Naples, FL 34103
Phone: (239)434-6508
Website:

Best Home & Auto Insurance Agencies in 34103

Allstate Insurance - Jeffrey Bogan

Address: 2425 Tamiami Trl N, #212 Naples, FL 34103
Phone:
Website:
Info:

Housing Demographics for 34103

Population Review for 34103 Zip Code

For the city of Naples, the population within 34103 has increased to over 18,868 residents in population size. The current population total is 11,822. We have broken down the population based on race below. In 34103, there are over 5608 in male population and 6214 females.

PopulationValues
Total Population11,822
White Population10343
Black Population147
Hispanic Population1332
Asian Population147
Hawaiian Population0
Indian Population21
Other Population279
Male Population5608
Female Population6214
Population Estimate18868

Household Data for 34103

The average number of homes in 34103 is around 5,945, there are an average of 1.97 per household. The average house value according to local real estate values is around $790,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,945
Persons Per Household1.97
Average House Value$790,400
Income Per Household$104309
Median Age63.9
Median Age Male63.5
Median Age Female64.1
34103 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityNaples
City Alias NameNAPLES
CountyCollier
County FIPS021
State FIPS12
Time Zone5
Day Light SavingY
MSA5345
PMSA
CSA163
CBSA34940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNaples-Marco Island, FL
MSA_NameNaples, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1043
Number Of Employees8209
Business First Quarter Payroll128995
Business Annual Payroll533178
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population321520
CBSA Division Population0
Congressional District19
Congressional LandArea750.37
Delivery Residential9578
Delivery Business857
Delivery Total10767
Preferred Last Line KeyY22467
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY22467
Land Area3.880000
Water Area0.973000
City Alias Code
City Mixed CaseNaples
City Alias Mixed CaseNaples
Box Count0
SFDU3403
MFDU5687
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116270
Unique ZIP Name
SSA State County Code10100
Medicare CBSA Code34940
Medicare CBSA NameNaples-Marco Island, FL
Medicare CBSA TypeMetro
Market Rating Area ID11
County Mixed CaseCollier

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: […]