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33037 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 33037 zip code it's important to know that our rates are very competitive for homeowners living in Key Largo, FL. Many homeowners based out of your 33037 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 33037 should appear in the zip code field ready to go. For Key Largo, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.
33037: Average Home Insurance Rates
For homeowners living in the great city of Key Largo, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1514 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.
33037 Home Insurance Average Premiums
$1264 /yr.
Shows Zip Code: 33037 lowest rates with discounts applied on average.
For the 33037, 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) | $1264 /yr. |
| Average Coverage: | $1514 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1814 /yr. |
What is the average home insurance cost for a home in 33037?
- • The average homeowners insurance premium paid annually for a home in 33037 is around $1514 per year.
What does it cost on average per month for home insurance in 33037?
- • Homeowners in 33037 pay a monthly average cost per month around $126.00.
What kind of discount could I get if I combine my home and auto insurance together in 33037?
- • Autoowners in 33037 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 Key Largo area, check out other zip codes nearby 33037.
Review average rates in another zip code:
33037 homeowners insurance rates
Home Replacement Cost Coverage in 33037
Average Building Cost Per Square Foot in 33037: $167
Location: Key Largo, Florida (Monroe County)Average Square Footage in 33037: 3,365 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 33037 before you start any project. Key Largo 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 33037 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 33037 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,365 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 Key Largo 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $167 | 3,365 | $562,000 |
| Additional Upgrades & Added Features | $209 | 3,365 | $702,500 |
| Major Home Updates or Advancements | $251 | 3,365 | $843,000 |
It's important to understand that when you estimate your replacement cost of your home in the 33037 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 33037
Best Home & Auto Insurance Agencies in 33037
Housing Demographics for 33037
Population Review for 33037 Zip Code
For the city of Key Largo, the population within 33037 has increased to over 18,943 residents in population size. The current population total is 13,875. We have broken down the population based on race below. In 33037, there are over 6997 in male population and 6878 females.
| Population | Values |
|---|---|
| Total Population | 13,875 |
| White Population | 10169 |
| Black Population | 229 |
| Hispanic Population | 3803 |
| Asian Population | 128 |
| Hawaiian Population | 9 |
| Indian Population | 51 |
| Other Population | 590 |
| Male Population | 6997 |
| Female Population | 6878 |
| Population Estimate | 18943 |
Household Data for 33037
The average number of homes in 33037 is around 6,235, there are an average of 2.22 per household. The average house value according to local real estate values is around $562,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,235 |
| Persons Per Household | 2.22 |
| Average House Value | $562,000 |
| Income Per Household | $67236 |
| Median Age | 53.2 |
| Median Age Male | 54.0 |
| Median Age Female | 52.5 |
| 33037 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 305 |
| City | Key Largo |
| City Alias Name | KEY LARGO |
| County | Monroe |
| County FIPS | 087 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 370 |
| CBSA | 28580 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Key West-Key Largo, FL |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 664 |
| Number Of Employees | 6283 |
| Business First Quarter Payroll | 60636 |
| Business Annual Payroll | 275065 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 73090 |
| CBSA Division Population | 0 |
| Congressional District | 28 |
| Congressional LandArea | 0 |
| Delivery Residential | 8533 |
| Delivery Business | 567 |
| Delivery Total | 9954 |
| Preferred Last Line Key | Y22166 |
| Classification Code | |
| Multi-County | |
| CSA Name | Miami-Port St. Lucie-Fort Lauderdale, FL |
| CBSA_DIV_Name | |
| City State Key | Y22166 |
| Land Area | 32.913000 |
| Water Area | 87.851000 |
| City Alias Code | |
| City Mixed Case | Key Largo |
| City Alias Mixed Case | Key Largo |
| Box Count | 584 |
| SFDU | 7064 |
| MFDU | 446 |
| State ANSI | 12 |
| County ANSI | 087 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 114585 |
| Unique ZIP Name | |
| SSA State County Code | 10430 |
| Medicare CBSA Code | 99910 |
| Medicare CBSA Name | Rural Areas in FL |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 44 |
| County Mixed Case | Monroe |
Florida Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024
Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]
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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 […]
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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 […]
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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 […]