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Are you paying too much for homeowners insurance in 34428? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Crystal River, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 34428?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 34428 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 34428 and get ready to save.

3 Easy Ways To Save Money In 34428

These three links will help you explore home insurance quotes in 34428 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 34428 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Crystal River is roughly $1586. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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34428 Home Insurance Average Premiums

Local 34428 homeowners insurance quotes comparison

$1336 /yr.

Shows Zip Code: 34428 lowest rates with discounts applied on average.

For the 34428, 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)
$1336 /yr.
Average Coverage:$1586 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1886 /yr.

What is the average home insurance cost for a home in 34428?

  • • The average homeowners insurance premium paid annually for a home in 34428 is around $1586 per year.

What does it cost on average per month for home insurance in 34428?

  • • Homeowners in 34428 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 34428?

  • • Autoowners in 34428 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 Crystal River area, check out other zip codes nearby 34428.
Review average rates in another zip code:
34429 homeowners insurance rates
34428 homeowners insurance rates

Home Replacement Cost Coverage in 34428

Average Building Cost Per Square Foot in 34428: $167

Location: Crystal River, Florida (Citrus County)

Average Square Footage in 34428: 1,244 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34428 before you start any project. Crystal River 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 34428 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 34428 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,244 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 Crystal River 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$1671,244$207,700
Additional Upgrades & Added Features$2091,244$259,625
Major Home Updates or Advancements$2511,244$311,550

It's important to understand that when you estimate your replacement cost of your home in the 34428 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 34428

Best Home & Auto Insurance Agencies in 34428

Housing Demographics for 34428

Population Review for 34428 Zip Code

For the city of Crystal River, the population within 34428 has increased to over 11,333 residents in population size. The current population total is 9,583. We have broken down the population based on race below. In 34428, there are over 4739 in male population and 4844 females.

PopulationValues
Total Population9,583
White Population8488
Black Population222
Hispanic Population438
Asian Population81
Hawaiian Population3
Indian Population42
Other Population108
Male Population4739
Female Population4844
Population Estimate11333

Household Data for 34428

The average number of homes in 34428 is around 4,292, there are an average of 2.22 per household. The average house value according to local real estate values is around $207,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,292
Persons Per Household2.22
Average House Value$207,700
Income Per Household$42800
Median Age54.6
Median Age Male54.7
Median Age Female54.5
34428 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityCrystal River
City Alias NameCRYSTAL RIVER
CountyCitrus
County FIPS017
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA26140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHomosassa Springs, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses238
Number Of Employees2545
Business First Quarter Payroll43201
Business Annual Payroll154273
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population141236
CBSA Division Population0
Congressional District12
Congressional LandArea883.75
Delivery Residential5105
Delivery Business269
Delivery Total5296
Preferred Last Line KeyY21665
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21665
Land Area67.131000
Water Area14.202000
City Alias Code
City Mixed CaseCrystal River
City Alias Mixed CaseCrystal River
Box Count0
SFDU3813
MFDU152
State ANSI12
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111980
Unique ZIP Name
SSA State County Code10080
Medicare CBSA Code26140
Medicare CBSA NameHomosassa Springs, FL
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseCitrus

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: […]