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If you live in the 34217 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Bradenton Beach have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 34217 and then compare quotes from a variety of nationwide insurance companies.

34217 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 34217 the average premium for homeowners coverage is $1741 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 34217. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Bradenton Beach, FL home insurance quotes in your area.

34217 Home Insurance Average Premiums

Local 34217 homeowners insurance quotes comparison

$1491 /yr.

Shows Zip Code: 34217 lowest rates with discounts applied on average.

For the 34217, 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)
$1491 /yr.
Average Coverage:$1741 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2041 /yr.

What is the average home insurance cost for a home in 34217?

  • • The average homeowners insurance premium paid annually for a home in 34217 is around $1741 per year.

What does it cost on average per month for home insurance in 34217?

  • • Homeowners in 34217 pay a monthly average cost per month around $145.00.

What kind of discount could I get if I combine my home and auto insurance together in 34217?

  • • Autoowners in 34217 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 Beach area, check out other zip codes nearby 34217.
Review average rates in another zip code:
34217 homeowners insurance rates

Home Replacement Cost Coverage in 34217

Average Building Cost Per Square Foot in 34217: $167

Location: Bradenton Beach, Florida (Manatee County)

Average Square Footage in 34217: 3,317 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34217 before you start any project. Bradenton Beach 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 34217 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 34217 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,317 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 Beach 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$1673,317$553,900
Additional Upgrades & Added Features$2093,317$692,375
Major Home Updates or Advancements$2513,317$830,850

It's important to understand that when you estimate your replacement cost of your home in the 34217 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 34217

Best Home & Auto Insurance Agencies in 34217

Housing Demographics for 34217

Population Review for 34217 Zip Code

For the city of Bradenton Beach, the population within 34217 has increased to over 8,242 residents in population size. The current population total is 3,825. We have broken down the population based on race below. In 34217, there are over 1831 in male population and 1994 females.

Total Population3,825
White Population3548
Black Population14
Hispanic Population134
Asian Population37
Hawaiian Population1
Indian Population6
Other Population16
Male Population1831
Female Population1994
Population Estimate8242

Household Data for 34217

The average number of homes in 34217 is around 2,089, there are an average of 1.83 per household. The average house value according to local real estate values is around $553,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,089
Persons Per Household1.83
Average House Value$553,900
Income Per Household$66944
Median Age64.9
Median Age Male65.2
Median Age Female64.6
34217 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationBRADENTON BCH
Area Code941
CityBradenton Beach
County FIPS081
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameNorth Port-Bradenton-Sarasota, FL
MSA_NameSarasota-Bradenton, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses228
Number Of Employees1895
Business First Quarter Payroll14028
Business Annual Payroll63124
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 Residential4504
Delivery Business249
Delivery Total4832
Preferred Last Line KeyY21499
Classification Code
CSA NameNorth Port-Bradenton, FL
City State KeyY21499
Land Area2.101000
Water Area4.611000
City Alias Code
City Mixed CaseBradenton Beach
City Alias Mixed CaseBradenton Beach
Box Count81
State ANSI12
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number110990
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: […]