Get multiple home insurance quotes in 34269. Our licensed 34269, FL agents are ready to serve you.

34269 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 34269 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Arcadia, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 34269 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Arcadia homeowners insurance rates, coverage options or home insurance types, please select Arcadia, FL Home Insurance Rates Online!

34269 Home Insurance Average Premiums

Local 34269 homeowners insurance quotes comparison

$1361 /yr.

Shows Zip Code: 34269 lowest rates with discounts applied on average.

For the 34269, 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)
$1361 /yr.
Average Coverage:$1611 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1911 /yr.

What is the average home insurance cost for a home in 34269?

  • • The average homeowners insurance premium paid annually for a home in 34269 is around $1611 per year.

What does it cost on average per month for home insurance in 34269?

  • • Homeowners in 34269 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 34269?

  • • Autoowners in 34269 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 Arcadia area, check out other zip codes nearby 34269.
Review average rates in another zip code:
34269 homeowners insurance rates
34266 homeowners insurance rates

Home Replacement Cost Coverage in 34269

Average Building Cost Per Square Foot in 34269: $167

Location: Arcadia, Florida (Desoto County)

Average Square Footage in 34269: 934 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34269 before you start any project. Arcadia 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 34269 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 34269 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 934 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 Arcadia 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$167934$156,000
Additional Upgrades & Added Features$209934$195,000
Major Home Updates or Advancements$251934$234,000

It's important to understand that when you estimate your replacement cost of your home in the 34269 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 34269

Best Home & Auto Insurance Agencies in 34269

Housing Demographics for 34269

Population Review for 34269 Zip Code

For the city of Arcadia, the population within 34269 has increased to over 5,461 residents in population size. The current population total is 4,917. We have broken down the population based on race below. In 34269, there are over 2483 in male population and 2434 females.

PopulationValues
Total Population4,917
White Population4439
Black Population141
Hispanic Population300
Asian Population24
Hawaiian Population1
Indian Population27
Other Population72
Male Population2483
Female Population2434
Population Estimate5461

Household Data for 34269

The average number of homes in 34269 is around 2,284, there are an average of 2.09 per household. The average house value according to local real estate values is around $156,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,284
Persons Per Household2.09
Average House Value$156,000
Income Per Household$48955
Median Age63.2
Median Age Male62.9
Median Age Female63.4
34269 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code863
CityArcadia
City Alias NameARCADIA
CountyDesoto
County FIPS027
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA412
CBSA11580
CBSA_DIV
CBSA_TypeMicro
CBSA_NameArcadia, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses67
Number Of Employees1421
Business First Quarter Payroll16541
Business Annual Payroll71434
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population34862
CBSA Division Population0
Congressional District18
Congressional LandArea1512.55
Delivery Residential2613
Delivery Business63
Delivery Total2676
Preferred Last Line KeyY21373
Classification Code
Multi-CountyY
CSA NameNorth Port-Bradenton, FL
CBSA_DIV_Name
City State KeyY21373
Land Area88.971000
Water Area1.259000
City Alias Code
City Mixed CaseArcadia
City Alias Mixed CaseArcadia
Box Count0
SFDU1566
MFDU212
State ANSI12
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number110240
Unique ZIP Name
SSA State County Code10130
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseDesoto

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: […]