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Homeowners Insurance in 34139

In Everglades City, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 34139 zip code have found it very easy to shop with When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 34139 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 34139 should appear in the zip code field ready to go.

34139 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1572. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Everglades City home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 34139 Home Insurance Rates Now!

Best 3 Options to Compare in 34139

If you want homeowners insurance quotes within the city of Everglades City or in the 34139 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Everglades City, FL.

34139 Home Insurance Average Premiums

Local 34139 homeowners insurance quotes comparison

$1322 /yr.

Shows Zip Code: 34139 lowest rates with discounts applied on average.

For the 34139, 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)
$1322 /yr.
Average Coverage:$1572 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1872 /yr.

What is the average home insurance cost for a home in 34139?

  • • The average homeowners insurance premium paid annually for a home in 34139 is around $1572 per year.

What does it cost on average per month for home insurance in 34139?

  • • Homeowners in 34139 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 34139?

  • • Autoowners in 34139 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 Everglades City area, check out other zip codes nearby 34139.
Review average rates in another zip code:
34139 homeowners insurance rates

Home Replacement Cost Coverage in 34139

Average Building Cost Per Square Foot in 34139: $167

Location: Everglades City, Florida (Collier County)

Average Square Footage in 34139: 2,096 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34139 before you start any project. Everglades City 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 34139 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 34139 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,096 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 Everglades City 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$1672,096$350,000
Additional Upgrades & Added Features$2092,096$437,500
Major Home Updates or Advancements$2512,096$525,000

It's important to understand that when you estimate your replacement cost of your home in the 34139 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 34139

Best Home & Auto Insurance Agencies in 34139

Housing Demographics for 34139

Population Review for 34139 Zip Code

For the city of Everglades City, the population within 34139 has increased to over 0 residents in population size. The current population total is 471. We have broken down the population based on race below. In 34139, there are over 242 in male population and 229 females.

Total Population471
White Population402
Black Population0
Hispanic Population61
Asian Population0
Hawaiian Population0
Indian Population13
Other Population24
Male Population242
Female Population229
Population Estimate0

Household Data for 34139

The average number of homes in 34139 is around 216, there are an average of 2.18 per household. The average house value according to local real estate values is around $350,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode216
Persons Per Household2.18
Average House Value$350,000
Income Per Household$82750
Median Age55.1
Median Age Male55.2
Median Age Female54.9
34139 DetailsValues
State Full NameFlorida
City TypeZ
City Alias AbbreviationEVERGLADES
Area Code239
CityEverglades City
County FIPS021
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameNaples-Marco Island, FL
MSA_NameNaples, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses28
Number Of Employees160
Business First Quarter Payroll1230
Business Annual Payroll4870
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
Congressional LandArea3232.71
Delivery Residential0
Delivery Business0
Delivery Total467
Preferred Last Line KeyY21812
Classification CodeP
CSA NameCape Coral-Fort Myers-Naples, FL
City State KeyY21812
Land Area1.435000
Water Area0.134000
City Alias Code
City Mixed CaseEverglades City
City Alias Mixed CaseEverglades City
Box Count411
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number112775
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: […]