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Home Insurance in 34476

One of the best ways to save money on your homeowners insurance policy in the 34476 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room. is the easiest way to shop for competitive homeowners insurance rates in in Ocala, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 34476 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 34476

Find Ocala, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 34476

According to industry data, homeowners located in Ocala pay roughly $1614 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 34476 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 34476 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 34476 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 34476.

Let us find you a great policy at an affordable price, get 34476 homeowners insurance quotes now.

34476 Home Insurance Average Premiums

Local 34476 homeowners insurance quotes comparison

$1364 /yr.

Shows Zip Code: 34476 lowest rates with discounts applied on average.

For the 34476, 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 34476?

  • • The average homeowners insurance premium paid annually for a home in 34476 is around $1614 per year.

What does it cost on average per month for home insurance in 34476?

  • • Homeowners in 34476 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 34476?

  • • Autoowners in 34476 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 34476.
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Home Replacement Cost Coverage in 34476

Average Building Cost Per Square Foot in 34476: $167

Location: Ocala, Florida (Marion County)

Average Square Footage in 34476: 1,132 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34476 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 34476 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 34476 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,132 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$1671,132$189,100
Additional Upgrades & Added Features$2091,132$236,375
Major Home Updates or Advancements$2511,132$283,650

It's important to understand that when you estimate your replacement cost of your home in the 34476 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 34476

Budget Insurance

Address: 6160 Southwest Highway 200 Ocala, FL 34476
Phone: (352)861-1000

Best Home & Auto Insurance Agencies in 34476

Housing Demographics for 34476

Population Review for 34476 Zip Code

For the city of Ocala, the population within 34476 has increased to over 31,125 residents in population size. The current population total is 26,522. We have broken down the population based on race below. In 34476, there are over 12551 in male population and 13971 females.

Total Population26,522
White Population19079
Black Population2398
Hispanic Population4360
Asian Population660
Hawaiian Population14
Indian Population93
Other Population1280
Male Population12551
Female Population13971
Population Estimate31125

Household Data for 34476

The average number of homes in 34476 is around 11,601, there are an average of 2.29 per household. The average house value according to local real estate values is around $189,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,601
Persons Per Household2.29
Average House Value$189,100
Income Per Household$56786
Median Age58.0
Median Age Male56.8
Median Age Female59.0
34476 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
City Alias NameOCALA
County FIPS083
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameOcala, FL
MSA_NameOcala, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses330
Number Of Employees1489
Business First Quarter Payroll11869
Business Annual Payroll52068
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 Residential13592
Delivery Business230
Delivery Total14773
Preferred Last Line KeyY22570
Classification Code
CSA Name
City State KeyY22570
Land Area34.587000
Water Area0.009000
City Alias Code
City Mixed CaseOcala
City Alias Mixed CaseOcala
Box Count0
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: […]