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Find the Best Home Insurance Rates in 34997

Shopping for homeowners insurance in 34997 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Stuart, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 34997 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 34997

Find Stuart, FL Homeowners Insurance Quotes to review the best coverage options in your area.

34997 Home Insurance Rating is: very high!

In 34997 the average premium is $1584. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 34997, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 34997!

34997 Home Insurance Average Premiums

Local 34997 homeowners insurance quotes comparison

$1334 /yr.

Shows Zip Code: 34997 lowest rates with discounts applied on average.

For the 34997, 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)
$1334 /yr.
Average Coverage:$1584 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1884 /yr.

What is the average home insurance cost for a home in 34997?

  • • The average homeowners insurance premium paid annually for a home in 34997 is around $1584 per year.

What does it cost on average per month for home insurance in 34997?

  • • Homeowners in 34997 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 34997?

  • • Autoowners in 34997 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 Stuart area, check out other zip codes nearby 34997.
Review average rates in another zip code:
34997 homeowners insurance rates
34994 homeowners insurance rates
34996 homeowners insurance rates

Home Replacement Cost Coverage in 34997

Average Building Cost Per Square Foot in 34997: $167

Location: Stuart, Florida (Martin County)

Average Square Footage in 34997: 1,625 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34997 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 34997 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 34997 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,625 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$1671,625$271,300
Additional Upgrades & Added Features$2091,625$339,125
Major Home Updates or Advancements$2511,625$406,950

It's important to understand that when you estimate your replacement cost of your home in the 34997 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 34997

Best Home & Auto Insurance Agencies in 34997

Allstate Insurance - Jim Haugk

Address: 5909 SE Federal Hwy Stuart, FL 34997

All Insurance of Martin County

Address: 3180 SE Dixie Hwy Stuart, FL 34997

Housing Demographics for 34997

Population Review for 34997 Zip Code

For the city of Stuart, the population within 34997 has increased to over 48,973 residents in population size. The current population total is 44,000. We have broken down the population based on race below. In 34997, there are over 21688 in male population and 22312 females.

Total Population44,000
White Population33410
Black Population1699
Hispanic Population8437
Asian Population594
Hawaiian Population15
Indian Population394
Other Population3498
Male Population21688
Female Population22312
Population Estimate48973

Household Data for 34997

The average number of homes in 34997 is around 18,916, there are an average of 2.29 per household. The average house value according to local real estate values is around $271,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,916
Persons Per Household2.29
Average House Value$271,300
Income Per Household$64594
Median Age52.1
Median Age Male50.2
Median Age Female54.0
34997 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
City Alias NameSTUART
County FIPS085
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NamePort St. Lucie, FL
MSA_NameFort Pierce-Port St. Lucie, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1377
Number Of Employees14395
Business First Quarter Payroll146006
Business Annual Payroll639556
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 Residential21386
Delivery Business1452
Delivery Total23249
Preferred Last Line KeyY23025
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY23025
Land Area90.705000
Water Area5.845000
City Alias Code
City Mixed CaseStuart
City Alias Mixed CaseStuart
Box Count0
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

  • 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: […]