Get multiple home insurance quotes in 34241. Our licensed 34241, FL agents are ready to serve you.

34241 Home Insurance Quotes & Rates

Currently, the 5,853 homes within the 34241 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,692 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Sarasota, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 34241.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Sarasota home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 34241 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Sarasota, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Sarasota, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

34241 Home Insurance Average Premiums

Local 34241 homeowners insurance quotes comparison

$1442 /yr.

Shows Zip Code: 34241 lowest rates with discounts applied on average.

For the 34241, 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)
$1442 /yr.
Average Coverage:$1692 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1992 /yr.

What is the average home insurance cost for a home in 34241?

  • • The average homeowners insurance premium paid annually for a home in 34241 is around $1692 per year.

What does it cost on average per month for home insurance in 34241?

  • • Homeowners in 34241 pay a monthly average cost per month around $141.00.

What kind of discount could I get if I combine my home and auto insurance together in 34241?

  • • Autoowners in 34241 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 34241.
Review average rates in another zip code:
34242 homeowners insurance rates
34231 homeowners insurance rates
34236 homeowners insurance rates
34234 homeowners insurance rates
34241 homeowners insurance rates
34235 homeowners insurance rates
34243 homeowners insurance rates
34237 homeowners insurance rates
34239 homeowners insurance rates
34233 homeowners insurance rates

Home Replacement Cost Coverage in 34241

Average Building Cost Per Square Foot in 34241: $167

Location: Sarasota, Florida (Sarasota County)

Average Square Footage in 34241: 2,256 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34241 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 34241 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 34241 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,256 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$1672,256$376,700
Additional Upgrades & Added Features$2092,256$470,875
Major Home Updates or Advancements$2512,256$565,050

It's important to understand that when you estimate your replacement cost of your home in the 34241 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 34241

Best Home & Auto Insurance Agencies in 34241

Allstate Insurance

Address: 7259 Bee Ridge Rd Sarasota, FL 34241
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 34241

Population Review for 34241 Zip Code

For the city of Sarasota, the population within 34241 has increased to over 18,318 residents in population size. The current population total is 14,589. We have broken down the population based on race below. In 34241, there are over 7235 in male population and 7354 females.

PopulationValues
Total Population14,589
White Population12644
Black Population226
Hispanic Population1135
Asian Population352
Hawaiian Population3
Indian Population36
Other Population300
Male Population7235
Female Population7354
Population Estimate18318

Household Data for 34241

The average number of homes in 34241 is around 5,853, there are an average of 2.49 per household. The average house value according to local real estate values is around $376,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,853
Persons Per Household2.49
Average House Value$376,700
Income Per Household$92874
Median Age52.5
Median Age Male51.4
Median Age Female53.3
34241 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 Businesses388
Number Of Employees2041
Business First Quarter Payroll16780
Business Annual Payroll83997
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 Residential7357
Delivery Business91
Delivery Total9431
Preferred Last Line KeyY22859
Classification Code
Multi-County
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY22859
Land Area70.121000
Water Area3.098000
City Alias Code
City Mixed CaseSarasota
City Alias Mixed CaseSarasota
Box Count0
SFDU5739
MFDU0
State ANSI12
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
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: […]