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Searching for Homeowners Insurance in 34114

If you are a homeowners that lives in 34114 you may be searching for more affordable homeowners insurance in Naples. 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 Naples, 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 34114 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 Naples, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 34114 Home Insurance Costs: very high!

In Naples, homeowners are paying roughly $1636 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 34114 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 Naples are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

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34114 Home Insurance Average Premiums

Local 34114 homeowners insurance quotes comparison

$1386 /yr.

Shows Zip Code: 34114 lowest rates with discounts applied on average.

For the 34114, 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)
$1386 /yr.
Average Coverage:$1636 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1936 /yr.

What is the average home insurance cost for a home in 34114?

  • • The average homeowners insurance premium paid annually for a home in 34114 is around $1636 per year.

What does it cost on average per month for home insurance in 34114?

  • • Homeowners in 34114 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 34114?

  • • Autoowners in 34114 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 34114.
Review average rates in another zip code:
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34116 homeowners insurance rates

Home Replacement Cost Coverage in 34114

Average Building Cost Per Square Foot in 34114: $167

Location: Naples, Florida (Collier County)

Average Square Footage in 34114: 1,983 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34114 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 34114 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 34114 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,983 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$1671,983$331,100
Additional Upgrades & Added Features$2091,983$413,875
Major Home Updates or Advancements$2511,983$496,650

It's important to understand that when you estimate your replacement cost of your home in the 34114 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 34114

Best Home & Auto Insurance Agencies in 34114

Allstate Insurance - Joseph Izquierdo Cruz

Address: 3888 Mannix Dr, #Dr-320 Naples, FL 34114
Phone:
Website:
Info:

Housing Demographics for 34114

Population Review for 34114 Zip Code

For the city of Naples, the population within 34114 has increased to over 34,783 residents in population size. The current population total is 21,343. We have broken down the population based on race below. In 34114, there are over 10555 in male population and 10788 females.

PopulationValues
Total Population21,343
White Population15848
Black Population1522
Hispanic Population4159
Asian Population204
Hawaiian Population2
Indian Population76
Other Population1646
Male Population10555
Female Population10788
Population Estimate34783

Household Data for 34114

The average number of homes in 34114 is around 9,940, there are an average of 2.09 per household. The average house value according to local real estate values is around $331,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,940
Persons Per Household2.09
Average House Value$331,100
Income Per Household$72481
Median Age62.5
Median Age Male62.5
Median Age Female62.5
34114 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 Businesses387
Number Of Employees4734
Business First Quarter Payroll50308
Business Annual Payroll212157
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|26
Congressional LandArea750.37|2098.66
Delivery Residential16643
Delivery Business416
Delivery Total20484
Preferred Last Line KeyY22467
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY22467
Land Area176.569000
Water Area31.011000
City Alias Code
City Mixed CaseNaples
City Alias Mixed CaseNaples
Box Count0
SFDU4312
MFDU8657
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
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: […]