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Home Insurance Quotes in 34238

Are you shopping for a cheaper homeowners insurance rate in 34238? Our rates are very competitive for homeowners living in Sarasota, FL. Many homeowners located in the 34238 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 34238. To get free 34238 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 34238 zip code should appear in the zip code field ready to go. Shopping Sarasota, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 34238 to review the best rate coverages.

Your 34238 Home Insurance Costs Is Rated: Very High!

For the great city of Sarasota, the average home insurance premium paid annually is around $1649 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Sarasota and need insurance on your home in the 34238 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 34238 Homeowners Insurance Rates Now!

34238 Home Insurance Average Premiums

Local 34238 homeowners insurance quotes comparison

$1399 /yr.

Shows Zip Code: 34238 lowest rates with discounts applied on average.

For the 34238, 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)
$1399 /yr.
Average Coverage:$1649 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1949 /yr.

What is the average home insurance cost for a home in 34238?

  • • The average homeowners insurance premium paid annually for a home in 34238 is around $1649 per year.

What does it cost on average per month for home insurance in 34238?

  • • Homeowners in 34238 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 34238?

  • • Autoowners in 34238 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 Sarasota area, check out other zip codes nearby 34238.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 34238

Average Building Cost Per Square Foot in 34238: $167

Location: Sarasota, Florida (Sarasota County)

Average Square Footage in 34238: 2,443 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34238 before you start any project. Sarasota 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 34238 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 34238 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,443 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 Sarasota 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$1672,443$408,000
Additional Upgrades & Added Features$2092,443$510,000
Major Home Updates or Advancements$2512,443$612,000

It's important to understand that when you estimate your replacement cost of your home in the 34238 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 34238

Best Home & Auto Insurance Agencies in 34238

Allstate Insurance Companies

Address: 8378 S Tamiami Trl Sarasota, FL 34238
Phone:
Website:
Info:

Housing Demographics for 34238

Population Review for 34238 Zip Code

For the city of Sarasota, the population within 34238 has increased to over 28,263 residents in population size. The current population total is 22,050. We have broken down the population based on race below. In 34238, there are over 10008 in male population and 12042 females.

PopulationValues
Total Population22,050
White Population19241
Black Population295
Hispanic Population1362
Asian Population723
Hawaiian Population13
Indian Population22
Other Population328
Male Population10008
Female Population12042
Population Estimate28263

Household Data for 34238

The average number of homes in 34238 is around 11,196, there are an average of 1.94 per household. The average house value according to local real estate values is around $408,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,196
Persons Per Household1.94
Average House Value$408,000
Income Per Household$85881
Median Age64.5
Median Age Male64.4
Median Age Female64.5
34238 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
CitySarasota
City Alias NameSARASOTA
CountySarasota
County FIPS115
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 Businesses577
Number Of Employees6569
Business First Quarter Payroll66425
Business Annual Payroll294570
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 District17
Congressional LandArea6369.97
Delivery Residential14569
Delivery Business369
Delivery Total16012
Preferred Last Line KeyY22859
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY22859
Land Area13.202000
Water Area0.952000
City Alias Code
City Mixed CaseSarasota
City Alias Mixed CaseSarasota
Box Count0
SFDU5658
MFDU5064
State ANSI12
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118430
Unique ZIP Name
SSA State County Code10570
Medicare CBSA Code35840
Medicare CBSA NameNorth Port-Sarasota-Bradenton, FL
Medicare CBSA TypeMetro
Market Rating Area ID56
County Mixed CaseSarasota

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: […]