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34202 Homeowners Insurance Quotes & Rates

Bradenton residents living within the 11,449 homes available in the zip code of 34202 are shopping online to compare cheaper and more affordable Bradenton, FL home insurance rates. In the great city of Bradenton, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,682 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 34202 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 34202 home insurance rates today! Please give us a call now at 1-888-685-4704. For Bradenton, FL Homeowners Insurance Quotes, Click to easily get started!

34202 Home Insurance Average Premiums

Local 34202 homeowners insurance quotes comparison

$1432 /yr.

Shows Zip Code: 34202 lowest rates with discounts applied on average.

For the 34202, 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)
$1432 /yr.
Average Coverage:$1682 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1982 /yr.

What is the average home insurance cost for a home in 34202?

  • • The average homeowners insurance premium paid annually for a home in 34202 is around $1682 per year.

What does it cost on average per month for home insurance in 34202?

  • • Homeowners in 34202 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 34202?

  • • Autoowners in 34202 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 Bradenton area, check out other zip codes nearby 34202.
Review average rates in another zip code:
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34202 homeowners insurance rates

Home Replacement Cost Coverage in 34202

Average Building Cost Per Square Foot in 34202: $167

Location: Bradenton, Florida (Manatee County)

Average Square Footage in 34202: 2,804 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34202 before you start any project. Bradenton 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 34202 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 34202 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,804 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 Bradenton 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$1672,804$468,200
Additional Upgrades & Added Features$2092,804$585,250
Major Home Updates or Advancements$2512,804$702,300

It's important to understand that when you estimate your replacement cost of your home in the 34202 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 34202

A1 Lakewood Financial Services

Address: 9122 58th Drive East Bradenton, FL 34202
Phone: (941)752-9210
Website:

Al Purmort Insurance

Address: 9130 Town Center Pkwy Bradenton, FL 34202
Phone: (941)373-1811
Website:

Best Home & Auto Insurance Agencies in 34202

Allstate Insurance - Jim Check

Address: 10920 E Sr-70, #9 Bradenton, FL 34202
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 9124 58th Dr E Bradenton, FL 34202
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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A1 Lakewood Financial Services

Address: 9122 58th Dr E Bradenton, FL 34202
Phone:
Website:
Info:

Housing Demographics for 34202

Population Review for 34202 Zip Code

For the city of Bradenton, the population within 34202 has increased to over 32,200 residents in population size. The current population total is 26,797. We have broken down the population based on race below. In 34202, there are over 12927 in male population and 13870 females.

PopulationValues
Total Population26,797
White Population22646
Black Population605
Hispanic Population2029
Asian Population869
Hawaiian Population19
Indian Population42
Other Population507
Male Population12927
Female Population13870
Population Estimate32200

Household Data for 34202

The average number of homes in 34202 is around 11,449, there are an average of 2.33 per household. The average house value according to local real estate values is around $468,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,449
Persons Per Household2.33
Average House Value$468,200
Income Per Household$104907
Median Age54.3
Median Age Male53.7
Median Age Female54.8
34202 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
CityBradenton
City Alias NameBRADENTON
CountyManatee
County FIPS081
State FIPS12
Time Zone5
Day Light SavingY
MSA7510
PMSA
CSA412
CBSA35840
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNorth Port-Bradenton-Sarasota, FL
MSA_NameSarasota-Bradenton, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses958
Number Of Employees7739
Business First Quarter Payroll83950
Business Annual Payroll366602
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population702281
CBSA Division Population0
Congressional District16
Congressional LandArea875.33
Delivery Residential13820
Delivery Business541
Delivery Total14147
Preferred Last Line KeyY21497
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY21497
Land Area23.100000
Water Area0.340000
City Alias Code
City Mixed CaseBradenton
City Alias Mixed CaseBradenton
Box Count0
SFDU2562
MFDU2230
State ANSI12
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number110975
Unique ZIP Name
SSA State County Code10400
Medicare CBSA Code35840
Medicare CBSA NameNorth Port-Sarasota-Bradenton, FL
Medicare CBSA TypeMetro
Market Rating Area ID40
County Mixed CaseManatee

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: […]