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34145 Home Insurance Rates

For homeowners living in 34145, the population estimates are increasing to well over 15,717 with 7,937 occupied homes within the zip code of 34145. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Marco Island have increased and the average home insurance premium is around $1,547 per year in 34145. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 34145 zip code today so we can help you find affordable Marco Island, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 34145

Please select one of the three options below based on your 34145 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Collier County, FL Home Insurance
  3. Marco Island, FL Home Insurance Quotes

34145 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 34145 zip code just got easier with GetHomeInsuranceQuotes.com of Marco Island, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 34145 today and let us help you review the best home insurance quotes available for homeowners living in Marco Island.

Get 34145 Homeowners Insurance Rates Now!

34145 Home Insurance Average Premiums

Local 34145 homeowners insurance quotes comparison

$1297 /yr.

Shows Zip Code: 34145 lowest rates with discounts applied on average.

For the 34145, 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)
$1297 /yr.
Average Coverage:$1547 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1847 /yr.

What is the average home insurance cost for a home in 34145?

  • • The average homeowners insurance premium paid annually for a home in 34145 is around $1547 per year.

What does it cost on average per month for home insurance in 34145?

  • • Homeowners in 34145 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 34145?

  • • Autoowners in 34145 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 Marco Island area, check out other zip codes nearby 34145.
Review average rates in another zip code:
34145 homeowners insurance rates

Home Replacement Cost Coverage in 34145

Average Building Cost Per Square Foot in 34145: $167

Location: Marco Island, Florida (Collier County)

Average Square Footage in 34145: 4,126 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34145 before you start any project. Marco Island 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 34145 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 34145 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,126 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 Marco Island 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$1674,126$689,000
Additional Upgrades & Added Features$2094,126$861,250
Major Home Updates or Advancements$2514,126$1,033,500

It's important to understand that when you estimate your replacement cost of your home in the 34145 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 34145

Advanced Insurance Underwriters

Address: 606 Bald Eagle Drive Suite 202 Marco Island, FL 34145
Phone: (239)393-4100
Website: www.advancedins.com

Baker Gerald Insurance

Address: 267 North Collier Boulevard Marco Island, FL 34145
Phone: (239)642-9797
Website: www.allstate.com

Best Home & Auto Insurance Agencies in 34145

Allstate Insurance Companies

Address: 267 N Collier Blvd Marco Island, FL 34145
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 34145

Population Review for 34145 Zip Code

For the city of Marco Island, the population within 34145 has increased to over 32,331 residents in population size. The current population total is 15,717. We have broken down the population based on race below. In 34145, there are over 7557 in male population and 8160 females.

PopulationValues
Total Population15,717
White Population14196
Black Population55
Hispanic Population1152
Asian Population173
Hawaiian Population1
Indian Population34
Other Population353
Male Population7557
Female Population8160
Population Estimate32331

Household Data for 34145

The average number of homes in 34145 is around 7,937, there are an average of 1.98 per household. The average house value according to local real estate values is around $689,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,937
Persons Per Household1.98
Average House Value$689,000
Income Per Household$93134
Median Age66.5
Median Age Male67.1
Median Age Female65.9
34145 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityMarco Island
City Alias NameMARCO ISLAND
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 Businesses781
Number Of Employees6987
Business First Quarter Payroll78760
Business Annual Payroll348499
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 Residential16329
Delivery Business612
Delivery Total16835
Preferred Last Line KeyY22337
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY22337
Land Area16.265000
Water Area15.360000
City Alias Code
City Mixed CaseMarco Island
City Alias Mixed CaseMarco Island
Box Count3
SFDU6606
MFDU7941
State ANSI12
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115670
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: […]