Get multiple home insurance quotes in 34205. Our licensed 34205, FL agents are ready to serve you.

34205 Home Insurance Rates & Premiums

Did you know there are over 33,789 people living within the 34205 zip code area? There are over 14,172 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 34205.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,663 a year for a standard homeowners insurance policy in Bradenton. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Bradenton, FL Homeowners Insurance Quotes Online

34205 Home Insurance Average Premiums

Local 34205 homeowners insurance quotes comparison

$1413 /yr.

Shows Zip Code: 34205 lowest rates with discounts applied on average.

For the 34205, 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)
$1413 /yr.
Average Coverage:$1663 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1963 /yr.

What is the average home insurance cost for a home in 34205?

  • • The average homeowners insurance premium paid annually for a home in 34205 is around $1663 per year.

What does it cost on average per month for home insurance in 34205?

  • • Homeowners in 34205 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 34205?

  • • Autoowners in 34205 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 34205.
Review average rates in another zip code:
34211 homeowners insurance rates
34205 homeowners insurance rates
34212 homeowners insurance rates
34208 homeowners insurance rates
34209 homeowners insurance rates
34202 homeowners insurance rates
34203 homeowners insurance rates
34207 homeowners insurance rates
34210 homeowners insurance rates
34201 homeowners insurance rates

Home Replacement Cost Coverage in 34205

Average Building Cost Per Square Foot in 34205: $167

Location: Bradenton, Florida (Manatee County)

Average Square Footage in 34205: 1,056 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34205 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 34205 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 34205 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,056 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$1671,056$176,300
Additional Upgrades & Added Features$2091,056$220,375
Major Home Updates or Advancements$2511,056$264,450

It's important to understand that when you estimate your replacement cost of your home in the 34205 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 34205

Alliance Insurance

Address: 1111 8th Avenue West Bradenton, FL 34205
Phone: (941)748-3381
Website:

Best Home & Auto Insurance Agencies in 34205

Cuahonte Insurance

Address: 3512 14th St W Bradenton, FL 34205
Phone:
Website: http://www.cuahonteinsurance.com
Info:

Alligator Auto Insurance

Address: 3316 Manatee Ave W Bradenton, FL 34205
Phone:
Website:
Info:

Housing Demographics for 34205

Population Review for 34205 Zip Code

For the city of Bradenton, the population within 34205 has increased to over 34,548 residents in population size. The current population total is 33,789. We have broken down the population based on race below. In 34205, there are over 16130 in male population and 17659 females.

PopulationValues
Total Population33,789
White Population21881
Black Population4052
Hispanic Population8161
Asian Population406
Hawaiian Population35
Indian Population180
Other Population3207
Male Population16130
Female Population17659
Population Estimate34548

Household Data for 34205

The average number of homes in 34205 is around 14,172, there are an average of 2.28 per household. The average house value according to local real estate values is around $176,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,172
Persons Per Household2.28
Average House Value$176,300
Income Per Household$47533
Median Age44.2
Median Age Male41.7
Median Age Female46.7
34205 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 Businesses966
Number Of Employees9382
Business First Quarter Payroll125509
Business Annual Payroll603406
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 Residential15153
Delivery Business1082
Delivery Total16189
Preferred Last Line KeyY21497
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY21497
Land Area6.457000
Water Area0.944000
City Alias Code
City Mixed CaseBradenton
City Alias Mixed CaseBradenton
Box Count0
SFDU9417
MFDU4076
State ANSI12
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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: […]