34953 Home Insurance Quotes & Rates

Currently, the 25,401 homes within the 34953 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 $1,653 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Port Saint Lucie, 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 34953.

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 Port Saint Lucie home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 34953 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 Port Saint Lucie, 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 Port Saint Lucie, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

Average Building Cost Per Square Foot in 34953: $167

Average Square Footage in 34953: 1,469 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34953 before you start any project. Port Saint Lucie 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 34953 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 34953 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,469 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 Port Saint Lucie 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.

It's important to understand that when you estimate your replacement cost of your home in the 34953 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.

B. Yorkirons Corp

B. Yorkirons Corp

Household Data for 34953

The average number of homes in 34953 is around 25,401, there are an average of 3.03 per household. The average house value according to local real estate values is around $245,400. Please review the following demographics below for average income and media age.

• Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

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• Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

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• 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: […]