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Home Insurance Quotes in 34448

Are you shopping for a cheaper homeowners insurance rate in 34448? Our rates are very competitive for homeowners living in Homosassa, FL. Many homeowners located in the 34448 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 34448. To get free 34448 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 34448 zip code should appear in the zip code field ready to go. Shopping Homosassa, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 34448 to review the best rate coverages.

Your 34448 Home Insurance Costs Is Rated: Very High!

For the great city of Homosassa, the average home insurance premium paid annually is around $1632 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Homosassa and need insurance on your home in the 34448 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 34448 Homeowners Insurance Rates Now!

34448 Home Insurance Average Premiums

Local 34448 homeowners insurance quotes comparison

$1382 /yr.

Shows Zip Code: 34448 lowest rates with discounts applied on average.

For the 34448, 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)
$1382 /yr.
Average Coverage:$1632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1932 /yr.

What is the average home insurance cost for a home in 34448?

  • • The average homeowners insurance premium paid annually for a home in 34448 is around $1632 per year.

What does it cost on average per month for home insurance in 34448?

  • • Homeowners in 34448 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 34448?

  • • Autoowners in 34448 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 Homosassa area, check out other zip codes nearby 34448.
Review average rates in another zip code:
34448 homeowners insurance rates
34446 homeowners insurance rates

Home Replacement Cost Coverage in 34448

Average Building Cost Per Square Foot in 34448: $167

Location: Homosassa, Florida (Citrus County)

Average Square Footage in 34448: 702 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34448 before you start any project. Homosassa 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 34448 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 34448 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 702 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 Homosassa 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$167702$117,200
Additional Upgrades & Added Features$209702$146,500
Major Home Updates or Advancements$251702$175,800

It's important to understand that when you estimate your replacement cost of your home in the 34448 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 34448

Best Home & Auto Insurance Agencies in 34448

Barry- M Stephen

Address: 3899 S Suncoast Blvd Homosassa, FL 34448
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

BetRon Incorporated

Address: 2352 S Sandburg Pt Homosassa, FL 34448
Phone:
Website:
Info:

Housing Demographics for 34448

Population Review for 34448 Zip Code

For the city of Homosassa, the population within 34448 has increased to over 12,180 residents in population size. The current population total is 10,889. We have broken down the population based on race below. In 34448, there are over 5344 in male population and 5545 females.

PopulationValues
Total Population10,889
White Population10021
Black Population83
Hispanic Population439
Asian Population64
Hawaiian Population2
Indian Population50
Other Population92
Male Population5344
Female Population5545
Population Estimate12180

Household Data for 34448

The average number of homes in 34448 is around 5,191, there are an average of 2.09 per household. The average house value according to local real estate values is around $117,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,191
Persons Per Household2.09
Average House Value$117,200
Income Per Household$49072
Median Age58.8
Median Age Male58.3
Median Age Female59.2
34448 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityHomosassa
City Alias NameHOMOSASSA
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 Businesses214
Number Of Employees1993
Business First Quarter Payroll20698
Business Annual Payroll99077
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 Residential5828
Delivery Business268
Delivery Total6052
Preferred Last Line KeyY22068
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22068
Land Area72.339000
Water Area26.789000
City Alias Code
City Mixed CaseHomosassa
City Alias Mixed CaseHomosassa
Box Count0
SFDU4906
MFDU76
State ANSI12
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number114080
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: […]