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Homeowners Insurance in 34431

Getting the most affordable home insurance rates in 34431 just got easier for Dunnellon, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Dunnellon. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Dunnellon, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 34431

When discussing Florida homeowners insurance rates, Dunnellon residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 34431 zipcode are currently paying $1614 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Dunnellon does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

34431 Home Insurance Average Premiums

Local 34431 homeowners insurance quotes comparison

$1364 /yr.

Shows Zip Code: 34431 lowest rates with discounts applied on average.

For the 34431, 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)
$1364 /yr.
Average Coverage:$1614 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1914 /yr.

What is the average home insurance cost for a home in 34431?

  • • The average homeowners insurance premium paid annually for a home in 34431 is around $1614 per year.

What does it cost on average per month for home insurance in 34431?

  • • Homeowners in 34431 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 34431?

  • • Autoowners in 34431 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 Dunnellon area, check out other zip codes nearby 34431.
Review average rates in another zip code:
34433 homeowners insurance rates
34431 homeowners insurance rates
34434 homeowners insurance rates
34432 homeowners insurance rates

Home Replacement Cost Coverage in 34431

Average Building Cost Per Square Foot in 34431: $167

Location: Dunnellon, Florida (Marion County)

Average Square Footage in 34431: 797 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34431 before you start any project. Dunnellon 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 34431 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 34431 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 797 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 Dunnellon 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$167797$133,100
Additional Upgrades & Added Features$209797$166,375
Major Home Updates or Advancements$251797$199,650

It's important to understand that when you estimate your replacement cost of your home in the 34431 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 34431

Best Home & Auto Insurance Agencies in 34431

Allstate Insurance Companies

Address: 20731 Powell Rd Dunnellon, FL 34431
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 34431

Population Review for 34431 Zip Code

For the city of Dunnellon, the population within 34431 has increased to over 10,057 residents in population size. The current population total is 8,589. We have broken down the population based on race below. In 34431, there are over 4257 in male population and 4332 females.

PopulationValues
Total Population8,589
White Population7395
Black Population282
Hispanic Population864
Asian Population48
Hawaiian Population1
Indian Population26
Other Population214
Male Population4257
Female Population4332
Population Estimate10057

Household Data for 34431

The average number of homes in 34431 is around 3,818, there are an average of 2.25 per household. The average house value according to local real estate values is around $133,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,818
Persons Per Household2.25
Average House Value$133,100
Income Per Household$39974
Median Age57.0
Median Age Male56.3
Median Age Female57.5
34431 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityDunnellon
City Alias NameDUNNELLON
CountyMarion
County FIPS083
State FIPS12
Time Zone5
Day Light SavingY
MSA5790
PMSA
CSA
CBSA36100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOcala, FL
MSA_NameOcala, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses111
Number Of Employees502
Business First Quarter Payroll3457
Business Annual Payroll15985
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population331298
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential4470
Delivery Business91
Delivery Total4558
Preferred Last Line KeyY21750
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY21750
Land Area104.158000
Water Area4.321000
City Alias Code
City Mixed CaseDunnellon
City Alias Mixed CaseDunnellon
Box Count0
SFDU4119
MFDU0
State ANSI12
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number112385
Unique ZIP Name
SSA State County Code10410
Medicare CBSA Code36100
Medicare CBSA NameOcala, FL
Medicare CBSA TypeMetro
Market Rating Area ID41
County Mixed CaseMarion

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: […]