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34736 Home Insurance Rates

Getting multiple homeowners insurance rates in 34736 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Groveland, FL. Many homeowners based out of the 34736 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 34736 should appear in the zip code field ready to go. For Groveland, FL Home Insurance Quotes, Click to easily get started!

34736 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 34736 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Groveland. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1665. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 34736 zip code today and let us help you save time and money on your homeowners insurance premium.

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34736 Home Insurance Average Premiums

Local 34736 homeowners insurance quotes comparison

$1415 /yr.

Shows Zip Code: 34736 lowest rates with discounts applied on average.

For the 34736, 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)
$1415 /yr.
Average Coverage:$1665 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1965 /yr.

What is the average home insurance cost for a home in 34736?

  • • The average homeowners insurance premium paid annually for a home in 34736 is around $1665 per year.

What does it cost on average per month for home insurance in 34736?

  • • Homeowners in 34736 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 34736?

  • • Autoowners in 34736 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 Groveland area, check out other zip codes nearby 34736.
Review average rates in another zip code:
34736 homeowners insurance rates

Home Replacement Cost Coverage in 34736

Average Building Cost Per Square Foot in 34736: $167

Location: Groveland, Florida (Lake County)

Average Square Footage in 34736: 1,480 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34736 before you start any project. Groveland 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 34736 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 34736 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,480 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 Groveland 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$1671,480$247,200
Additional Upgrades & Added Features$2091,480$309,000
Major Home Updates or Advancements$2511,480$370,800

It's important to understand that when you estimate your replacement cost of your home in the 34736 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 34736

Best Home & Auto Insurance Agencies in 34736

Housing Demographics for 34736

Population Review for 34736 Zip Code

For the city of Groveland, the population within 34736 has increased to over 30,417 residents in population size. The current population total is 24,679. We have broken down the population based on race below. In 34736, there are over 11940 in male population and 12739 females.

Total Population24,679
White Population14635
Black Population3225
Hispanic Population6260
Asian Population610
Hawaiian Population9
Indian Population142
Other Population2473
Male Population11940
Female Population12739
Population Estimate30417

Household Data for 34736

The average number of homes in 34736 is around 8,543, there are an average of 2.89 per household. The average house value according to local real estate values is around $247,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,543
Persons Per Household2.89
Average House Value$247,200
Income Per Household$71250
Median Age40.7
Median Age Male40.1
Median Age Female41.2
34736 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
City Alias NameGROVELAND
County FIPS069
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses424
Number Of Employees4579
Business First Quarter Payroll51687
Business Annual Payroll226888
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2134411
CBSA Division Population0
Congressional District11
Congressional LandArea2509.88
Delivery Residential10525
Delivery Business343
Delivery Total11433
Preferred Last Line KeyY21983
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY21983
Land Area115.015000
Water Area29.769000
City Alias Code
City Mixed CaseGroveland
City Alias Mixed CaseGroveland
Box Count302
State ANSI12
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113630
Unique ZIP Name
SSA State County Code10340
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID34
County Mixed CaseLake

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: […]