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If you live in the 34994 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Stuart have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 34994 and then compare quotes from a variety of nationwide insurance companies.

34994 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 34994 the average premium for homeowners coverage is $1618 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 34994. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 34994 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Stuart, FL home insurance quotes in your area.

34994 Home Insurance Average Premiums

Local 34994 homeowners insurance quotes comparison

$1368 /yr.

Shows Zip Code: 34994 lowest rates with discounts applied on average.

For the 34994, 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)
$1368 /yr.
Average Coverage:$1618 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1918 /yr.

What is the average home insurance cost for a home in 34994?

  • • The average homeowners insurance premium paid annually for a home in 34994 is around $1618 per year.

What does it cost on average per month for home insurance in 34994?

  • • Homeowners in 34994 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 34994?

  • • Autoowners in 34994 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.

You can easily shop and compare home insurance rates within Stuart, check out other zip codes nearby 34994.
To review average rates in another zip code, click on a zip code below:
34997  |  34996  |  34994  | 

Home Replacement Cost Coverage in 34994

Average Building Cost Per Square Foot in 34994: $167

Location: Stuart, Florida (Martin County)

Average Square Footage in 34994: 1,135 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34994 before you start any project. Stuart 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 34994 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 34994 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,135 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 Stuart 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$1671,135$189,600
Additional Upgrades & Added Features$2091,135$237,000
Major Home Updates or Advancements$2511,135$284,400

It's important to understand that when you estimate your replacement cost of your home in the 34994 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 34994

Albert J. Mound Agency

Address: 1284 NW Federal Hwy Stuart, FL 34994
Phone: (772)692-0110
Website:

Allstate Insurance Companies

Address: 628 Southeast Central Parkway Stuart, FL 34994
Phone: (772)221-3202
Website:

Best Home & Auto Insurance Agencies in 34994

Albert J. Mound Agency

Address: 1284 NW Federal Hwy Stuart, FL 34994
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 628 SE Central Pky Stuart, FL 34994
Phone:
Website:
Info:

Allstate Insurance - D.L. Witherspoon

Address: 735 S Colorado Ave, #Ave-4 Stuart, FL 34994
Phone:
Website:
Info:

Housing Demographics for 34994

Population Review for 34994 Zip Code

For the city of Stuart, the population within 34994 has increased to over 18,909 residents in population size. The current population total is 17,843. We have broken down the population based on race below. In 34994, there are over 8636 in male population and 9207 females.

PopulationValues
Total Population17,843
White Population12688
Black Population2039
Hispanic Population2964
Asian Population259
Hawaiian Population2
Indian Population77
Other Population958
Male Population8636
Female Population9207
Population Estimate18909

Household Data for 34994

The average number of homes in 34994 is around 8,105, there are an average of 2.03 per household. The average house value according to local real estate values is around $189,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,105
Persons Per Household2.03
Average House Value$189,600
Income Per Household$51706
Median Age51.4
Median Age Male48.4
Median Age Female53.9
34994 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
CityStuart
City Alias NameSTUART
CountyMartin
County FIPS085
State FIPS12
Time Zone5
Day Light SavingY
MSA2710
PMSA
CSA370
CBSA38940
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePort St. Lucie, FL
MSA_NameFort Pierce-Port St. Lucie, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1552
Number Of Employees16409
Business First Quarter Payroll200225
Business Annual Payroll924085
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population424107
CBSA Division Population0
Congressional District21
Congressional LandArea260.97
Delivery Residential9315
Delivery Business1938
Delivery Total10610
Preferred Last Line KeyY23025
Classification Code
Multi-CountyY
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_Name
City State KeyY23025
Land Area6.738000
Water Area2.921000
City Alias Code
City Mixed CaseStuart
City Alias Mixed CaseStuart
Box Count0
SFDU3240
MFDU2143
State ANSI12
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118745
Unique ZIP Name
SSA State County Code10420
Medicare CBSA Code38940
Medicare CBSA NamePort St. Lucie, FL
Medicare CBSA TypeMetro
Market Rating Area ID42
County Mixed CaseMartin

Florida Homeowners Insurance News & Information

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    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

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  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]