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34638 Home Insurance Quotes & Rates

Currently, the 10,528 homes within the 34638 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,565 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Land O Lakes, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 34638.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Land O Lakes home insurance quotes all in one place then of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 34638 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Land O Lakes, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Land O Lakes, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

34638 Home Insurance Average Premiums

Local 34638 homeowners insurance quotes comparison

$1315 /yr.

Shows Zip Code: 34638 lowest rates with discounts applied on average.

For the 34638, 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)
$1315 /yr.
Average Coverage:$1565 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1865 /yr.

What is the average home insurance cost for a home in 34638?

  • • The average homeowners insurance premium paid annually for a home in 34638 is around $1565 per year.

What does it cost on average per month for home insurance in 34638?

  • • Homeowners in 34638 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 34638?

  • • Autoowners in 34638 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 Land O Lakes area, check out other zip codes nearby 34638.
Review average rates in another zip code:
34639 homeowners insurance rates
34638 homeowners insurance rates
34637 homeowners insurance rates

Home Replacement Cost Coverage in 34638

Average Building Cost Per Square Foot in 34638: $167

Location: Land O Lakes, Florida (Pasco County)

Average Square Footage in 34638: 1,739 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34638 before you start any project. Land O Lakes 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 34638 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 34638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,739 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 Land O Lakes 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$1671,739$290,400
Additional Upgrades & Added Features$2091,739$363,000
Major Home Updates or Advancements$2511,739$435,600

It's important to understand that when you estimate your replacement cost of your home in the 34638 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 34638

Best Home & Auto Insurance Agencies in 34638

Allstate Insurance Companies

Address: 6747 Land O' Lakes Blvd Land O' Lakes, FL 34638

Housing Demographics for 34638

Population Review for 34638 Zip Code

For the city of Land O Lakes, the population within 34638 has increased to over 42,450 residents in population size. The current population total is 31,746. We have broken down the population based on race below. In 34638, there are over 15497 in male population and 16249 females.

Total Population31,746
White Population20534
Black Population2577
Hispanic Population7329
Asian Population1696
Hawaiian Population28
Indian Population124
Other Population1760
Male Population15497
Female Population16249
Population Estimate42450

Household Data for 34638

The average number of homes in 34638 is around 10,528, there are an average of 3.01 per household. The average house value according to local real estate values is around $290,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,528
Persons Per Household3.01
Average House Value$290,400
Income Per Household$104038
Median Age37.4
Median Age Male37.0
Median Age Female37.9
34638 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code813
CityLand O Lakes
City Alias NameLAND O LAKES
County FIPS101
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameTampa-St. Petersburg-Clearwater, FL
MSA_NameTampa-St. Petersburg-Clearwater, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses500
Number Of Employees3458
Business First Quarter Payroll34732
Business Annual Payroll173693
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2783243
CBSA Division Population1866701
Congressional District12
Congressional LandArea883.75
Delivery Residential14103
Delivery Business308
Delivery Total15209
Preferred Last Line KeyY22233
Classification Code
CSA Name
CBSA_DIV_NameTampa, FL
City State KeyY22233
Land Area46.284000
Water Area1.341000
City Alias Code
City Mixed CaseLand O Lakes
City Alias Mixed CaseLand O Lakes
Box Count0
State ANSI12
County ANSI101
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number115055
Unique ZIP Name
SSA State County Code10500
Medicare CBSA Code45300
Medicare CBSA NameTampa-St. Petersburg-Clearwater, FL
Medicare CBSA TypeMetro
Market Rating Area ID51
County Mixed CasePasco

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: […]