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Home Insurance Rates in 34138

For homeowners shopping online in 34138, our insurance rates are very competitive for homeowners living in Chokoloskee, FL. Many homeowners based out of the great city of Chokoloskee have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 34138, simply click the "Get Multiple Quotes Now" button. Your 34138 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Chokoloskee, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

34138 Home Insurance Rating is: Very High!

If you live in 34138, you can easily save up to 40% off the average home insurance premium of $1630 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Chokoloskee can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 34138 today!

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34138 Home Insurance Average Premiums

Local 34138 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 34138 lowest rates with discounts applied on average.

For the 34138, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 34138?

  • • The average homeowners insurance premium paid annually for a home in 34138 is around $1630 per year.

What does it cost on average per month for home insurance in 34138?

  • • Homeowners in 34138 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 34138?

  • • Autoowners in 34138 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 Chokoloskee area, check out other zip codes nearby 34138.
Review average rates in another zip code:
34138 homeowners insurance rates

Home Replacement Cost Coverage in 34138

Average Building Cost Per Square Foot in 34138: $167

Location: Chokoloskee, Florida (Collier County)

Average Square Footage in 34138: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34138 before you start any project. Chokoloskee 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 34138 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 34138 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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 Chokoloskee 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 34138 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 34138

Best Home & Auto Insurance Agencies in 34138

Housing Demographics for 34138

Population Review for 34138 Zip Code

For the city of Chokoloskee, the population within 34138 has increased to over 0 residents in population size. The current population total is 346. We have broken down the population based on race below. In 34138, there are over 179 in male population and 167 females.

PopulationValues
Total Population346
White Population329
Black Population0
Hispanic Population19
Asian Population0
Hawaiian Population0
Indian Population0
Other Population3
Male Population179
Female Population167
Population Estimate0

Household Data for 34138

The average number of homes in 34138 is around 167, there are an average of 2.07 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode167
Persons Per Household2.07
Average House Value$165,000
Income Per Household$83779
Median Age61.1
Median Age Male61.9
Median Age Female57.3
34138 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code239
CityChokoloskee
City Alias NameCHOKOLOSKEE
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 Businesses6
Number Of Employees11
Business First Quarter Payroll87
Business Annual Payroll368
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 District25|26
Congressional LandArea3232.71|2098.66
Delivery Residential0
Delivery Business0
Delivery Total173
Preferred Last Line KeyY21577
Classification CodeP
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY21577
Land Area0.279000
Water Area3.986000
City Alias Code
City Mixed CaseChokoloskee
City Alias Mixed CaseChokoloskee
Box Count168
SFDU0
MFDU0
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number111545
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: […]