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Home Insurance in 34120

If your primary reason for shopping for homeowners insurance in the 34120 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Naples, FL. Many homeowners that live in the 34120 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 34120 zip code should already appear in the zip code field ready to go. For Naples, FL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 34120

Homeowners living in the city of Naples are paying on average around $1617 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 34120 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Florida home insurance premiums have been recently ranked 1 in the country in terms of the annual cost of premiums. Because premiums in 34120 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 34120 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Naples. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

34120 Home Insurance Average Premiums

Local 34120 homeowners insurance quotes comparison

$1367 /yr.

Shows Zip Code: 34120 lowest rates with discounts applied on average.

For the 34120, 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)
$1367 /yr.
Average Coverage:$1617 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1917 /yr.

What is the average home insurance cost for a home in 34120?

  • • The average homeowners insurance premium paid annually for a home in 34120 is around $1617 per year.

What does it cost on average per month for home insurance in 34120?

  • • Homeowners in 34120 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 34120?

  • • Autoowners in 34120 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 34120.
Review average rates in another zip code:
34112 homeowners insurance rates
34102 homeowners insurance rates
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34108 homeowners insurance rates
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34110 homeowners insurance rates
34104 homeowners insurance rates

Home Replacement Cost Coverage in 34120

Average Building Cost Per Square Foot in 34120: $167

Location: Naples, Florida (Collier County)

Average Square Footage in 34120: 1,960 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34120 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 34120 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 34120 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,960 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$1671,960$327,300
Additional Upgrades & Added Features$2091,960$409,125
Major Home Updates or Advancements$2511,960$490,950

It's important to understand that when you estimate your replacement cost of your home in the 34120 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 34120

Best Home & Auto Insurance Agencies in 34120

Housing Demographics for 34120

Population Review for 34120 Zip Code

For the city of Naples, the population within 34120 has increased to over 56,599 residents in population size. The current population total is 41,026. We have broken down the population based on race below. In 34120, there are over 20400 in male population and 20626 females.

PopulationValues
Total Population41,026
White Population25516
Black Population2298
Hispanic Population14368
Asian Population785
Hawaiian Population12
Indian Population201
Other Population3403
Male Population20400
Female Population20626
Population Estimate56599

Household Data for 34120

The average number of homes in 34120 is around 14,123, there are an average of 2.90 per household. The average house value according to local real estate values is around $327,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,123
Persons Per Household2.90
Average House Value$327,300
Income Per Household$78015
Median Age42.8
Median Age Male42.7
Median Age Female42.9
34120 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 Businesses755
Number Of Employees3849
Business First Quarter Payroll34080
Business Annual Payroll147038
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 District26
Congressional LandArea2098.66
Delivery Residential19517
Delivery Business150
Delivery Total25037
Preferred Last Line KeyY22467
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY22467
Land Area140.814000
Water Area4.486000
City Alias Code
City Mixed CaseNaples
City Alias Mixed CaseNaples
Box Count0
SFDU13195
MFDU854
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: […]