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34453 Homeowners Insurance Quotes & Rates

Inverness residents living within the 4,851 homes available in the zip code of 34453 are shopping online to compare cheaper and more affordable Inverness, FL home insurance rates. In the great city of Inverness, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,638 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 34453 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 34453 home insurance rates today! Please give us a call now at 1-888-685-4704. For Inverness, FL Homeowners Insurance Quotes, Click to easily get started!

34453 Home Insurance Average Premiums

Local 34453 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 34453 lowest rates with discounts applied on average.

For the 34453, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 34453?

  • • The average homeowners insurance premium paid annually for a home in 34453 is around $1638 per year.

What does it cost on average per month for home insurance in 34453?

  • • Homeowners in 34453 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 34453?

  • • Autoowners in 34453 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 Inverness area, check out other zip codes nearby 34453.
Review average rates in another zip code:
34453 homeowners insurance rates
34450 homeowners insurance rates
34452 homeowners insurance rates

Home Replacement Cost Coverage in 34453

Average Building Cost Per Square Foot in 34453: $167

Location: Inverness, Florida (Citrus County)

Average Square Footage in 34453: 728 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34453 before you start any project. Inverness 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 34453 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 34453 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 728 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 Inverness 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$167728$121,600
Additional Upgrades & Added Features$209728$152,000
Major Home Updates or Advancements$251728$182,400

It's important to understand that when you estimate your replacement cost of your home in the 34453 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 34453

Best Home & Auto Insurance Agencies in 34453

A AAH Auto

Address: 2322 Highway 44 W Inverness, FL 34453
Phone:
Website:
Info:

Housing Demographics for 34453

Population Review for 34453 Zip Code

For the city of Inverness, the population within 34453 has increased to over 12,653 residents in population size. The current population total is 10,964. We have broken down the population based on race below. In 34453, there are over 5284 in male population and 5680 females.

PopulationValues
Total Population10,964
White Population9333
Black Population406
Hispanic Population742
Asian Population246
Hawaiian Population6
Indian Population57
Other Population175
Male Population5284
Female Population5680
Population Estimate12653

Household Data for 34453

The average number of homes in 34453 is around 4,851, there are an average of 2.23 per household. The average house value according to local real estate values is around $121,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,851
Persons Per Household2.23
Average House Value$121,600
Income Per Household$45781
Median Age54.6
Median Age Male52.5
Median Age Female55.8
34453 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityInverness
City Alias NameINVERNESS
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 Businesses271
Number Of Employees3315
Business First Quarter Payroll31225
Business Annual Payroll132404
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 Residential5674
Delivery Business363
Delivery Total6558
Preferred Last Line KeyY22109
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22109
Land Area27.076000
Water Area11.029000
City Alias Code
City Mixed CaseInverness
City Alias Mixed CaseInverness
Box Count0
SFDU4534
MFDU128
State ANSI12
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114305
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: […]