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34285, FL Homeowners Insurance Rates

With a population size of 18,971 and with 10,574 occupied homes in the 34285 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Venice, FL are around $1,578 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that is the best place online to shop for home insurance rates in Venice, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Venice, FL.

For Florida home insurance information, including average Venice home insurance rates, coverage options or the different homeowners insurance types, please select Venice, FL Home Insurance Quotes Now!

34285 Home Insurance Average Premiums

Local 34285 homeowners insurance quotes comparison

$1328 /yr.

Shows Zip Code: 34285 lowest rates with discounts applied on average.

For the 34285, 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)
$1328 /yr.
Average Coverage:$1578 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1878 /yr.

What is the average home insurance cost for a home in 34285?

  • • The average homeowners insurance premium paid annually for a home in 34285 is around $1578 per year.

What does it cost on average per month for home insurance in 34285?

  • • Homeowners in 34285 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 34285?

  • • Autoowners in 34285 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 Venice area, check out other zip codes nearby 34285.
Review average rates in another zip code:
34292 homeowners insurance rates
34285 homeowners insurance rates
34293 homeowners insurance rates

Home Replacement Cost Coverage in 34285

Average Building Cost Per Square Foot in 34285: $167

Location: Venice, Florida (Sarasota County)

Average Square Footage in 34285: 1,503 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34285 before you start any project. Venice 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 34285 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 34285 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,503 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 Venice 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$1671,503$251,000
Additional Upgrades & Added Features$2091,503$313,750
Major Home Updates or Advancements$2511,503$376,500

It's important to understand that when you estimate your replacement cost of your home in the 34285 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 34285

Best Home & Auto Insurance Agencies in 34285

Housing Demographics for 34285

Population Review for 34285 Zip Code

For the city of Venice, the population within 34285 has increased to over 24,470 residents in population size. The current population total is 18,971. We have broken down the population based on race below. In 34285, there are over 8565 in male population and 10406 females.

Total Population18,971
White Population17742
Black Population112
Hispanic Population687
Asian Population134
Hawaiian Population8
Indian Population42
Other Population212
Male Population8565
Female Population10406
Population Estimate24470

Household Data for 34285

The average number of homes in 34285 is around 10,574, there are an average of 1.72 per household. The average house value according to local real estate values is around $251,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,574
Persons Per Household1.72
Average House Value$251,000
Income Per Household$59670
Median Age70.4
Median Age Male70.5
Median Age Female70.3
34285 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
City Alias NameVENICE
County FIPS115
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 Businesses840
Number Of Employees9452
Business First Quarter Payroll107633
Business Annual Payroll461305
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 Residential14227
Delivery Business1265
Delivery Total15187
Preferred Last Line KeyY23163
Classification Code
CSA NameNorth Port-Bradenton, FL
City State KeyY23163
Land Area8.332000
Water Area1.635000
City Alias Code
City Mixed CaseVenice
City Alias Mixed CaseVenice
Box Count0
State ANSI12
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119165
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: […]