Get multiple home insurance quotes in 34481. Our licensed 34481, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 34481

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 34481, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Ocala, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 34481 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 34481

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Ocala, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

34481 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Ocala we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 34481, homeowners are seeing rates around 1636 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 34481!

34481 Home Insurance Average Premiums

Local 34481 homeowners insurance quotes comparison

$1386 /yr.

Shows Zip Code: 34481 lowest rates with discounts applied on average.

For the 34481, 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)
$1386 /yr.
Average Coverage:$1636 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1936 /yr.

What is the average home insurance cost for a home in 34481?

  • • The average homeowners insurance premium paid annually for a home in 34481 is around $1636 per year.

What does it cost on average per month for home insurance in 34481?

  • • Homeowners in 34481 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 34481?

  • • Autoowners in 34481 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 34481.
Review average rates in another zip code:
34474 homeowners insurance rates
34471 homeowners insurance rates
34482 homeowners insurance rates
34476 homeowners insurance rates
34480 homeowners insurance rates
34475 homeowners insurance rates
34470 homeowners insurance rates
34472 homeowners insurance rates
34479 homeowners insurance rates
34481 homeowners insurance rates

Home Replacement Cost Coverage in 34481

Average Building Cost Per Square Foot in 34481: $167

Location: Ocala, Florida (Marion County)

Average Square Footage in 34481: 872 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34481 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 34481 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 34481 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 872 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$167872$145,700
Additional Upgrades & Added Features$209872$182,125
Major Home Updates or Advancements$251872$218,550

It's important to understand that when you estimate your replacement cost of your home in the 34481 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 34481

Best Home & Auto Insurance Agencies in 34481

Housing Demographics for 34481

Population Review for 34481 Zip Code

For the city of Ocala, the population within 34481 has increased to over 28,932 residents in population size. The current population total is 23,097. We have broken down the population based on race below. In 34481, there are over 10504 in male population and 12593 females.

PopulationValues
Total Population23,097
White Population19915
Black Population842
Hispanic Population2022
Asian Population249
Hawaiian Population8
Indian Population69
Other Population546
Male Population10504
Female Population12593
Population Estimate28932

Household Data for 34481

The average number of homes in 34481 is around 12,113, there are an average of 1.87 per household. The average house value according to local real estate values is around $145,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,113
Persons Per Household1.87
Average House Value$145,700
Income Per Household$46325
Median Age69.5
Median Age Male69.8
Median Age Female69.4
34481 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 Businesses271
Number Of Employees3400
Business First Quarter Payroll27451
Business Annual Payroll118407
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 Residential15472
Delivery Business312
Delivery Total16423
Preferred Last Line KeyY22570
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22570
Land Area69.217000
Water Area0.019000
City Alias Code
City Mixed CaseOcala
City Alias Mixed CaseOcala
Box Count0
SFDU7575
MFDU3801
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: […]