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34470 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 34470? There are over 8,895 occupied homes in the 34470 area. With a population size of 20,483, it's not uncommon for residence of Ocala, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,644 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 34470 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Ocala, FL Home Insurance Rate Quotes

34470 Home Insurance Average Premiums

Local 34470 homeowners insurance quotes comparison

$1394 /yr.

Shows Zip Code: 34470 lowest rates with discounts applied on average.

For the 34470, 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)
$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1944 /yr.

What is the average home insurance cost for a home in 34470?

  • • The average homeowners insurance premium paid annually for a home in 34470 is around $1644 per year.

What does it cost on average per month for home insurance in 34470?

  • • Homeowners in 34470 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 34470?

  • • Autoowners in 34470 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 Ocala area, check out other zip codes nearby 34470.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 34470

Average Building Cost Per Square Foot in 34470: $167

Location: Ocala, Florida (Marion County)

Average Square Footage in 34470: 756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34470 before you start any project. Ocala 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 34470 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 34470 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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 Ocala 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$167756$126,200
Additional Upgrades & Added Features$209756$157,750
Major Home Updates or Advancements$251756$189,300

It's important to understand that when you estimate your replacement cost of your home in the 34470 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 34470

Budget Insurance Offices Inc

Address: Highway 200 Ocala, FL 34470
Phone: (352)861-1000
Website: www.budgetinsurance.cc

Best Home & Auto Insurance Agencies in 34470

Allstate Insurance Companies

Address: 2320 NE 2nd St Ocala, FL 34470
Phone:
Website:
Info:

Allstate Insurance-Aaron J. Strom

Address: 814 E Silver Springs Blvd Ocala, FL 34470
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance

Address: 2320 NE 2nd St, #6 Ocala, FL 34470
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

Bastie & Associates

Address: 317 NE 36th Ave Ocala, FL 34470
Phone:
Website:
Info:

Anderson Lisa

Address: 901 E Silver Springs Blvd Ocala, FL 34470
Phone:
Website:
Info:

Housing Demographics for 34470

Population Review for 34470 Zip Code

For the city of Ocala, the population within 34470 has increased to over 21,891 residents in population size. The current population total is 20,483. We have broken down the population based on race below. In 34470, there are over 9500 in male population and 10983 females.

PopulationValues
Total Population20,483
White Population14145
Black Population3099
Hispanic Population2795
Asian Population364
Hawaiian Population9
Indian Population59
Other Population754
Male Population9500
Female Population10983
Population Estimate21891

Household Data for 34470

The average number of homes in 34470 is around 8,895, there are an average of 2.27 per household. The average house value according to local real estate values is around $126,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,895
Persons Per Household2.27
Average House Value$126,200
Income Per Household$43308
Median Age41.8
Median Age Male39.2
Median Age Female44.3
34470 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityOcala
City Alias NameOCALA
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 Businesses847
Number Of Employees8859
Business First Quarter Payroll72968
Business Annual Payroll319637
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|06
Congressional LandArea7306.05|2506.92
Delivery Residential9644
Delivery Business1253
Delivery Total10963
Preferred Last Line KeyY22570
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22570
Land Area13.418000
Water Area0.031000
City Alias Code
City Mixed CaseOcala
City Alias Mixed CaseOcala
Box Count0
SFDU6695
MFDU1423
State ANSI12
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116600
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: […]