Get multiple home insurance quotes in 33401. Our licensed 33401, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 33401

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 33401, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in West Palm Beach, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 33401 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 33401

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional West Palm Beach, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

33401 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in West Palm Beach we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 33401, homeowners are seeing rates around 1604 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 33401!

33401 Home Insurance Average Premiums

Local 33401 homeowners insurance quotes comparison

$1354 /yr.

Shows Zip Code: 33401 lowest rates with discounts applied on average.

For the 33401, 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)
$1354 /yr.
Average Coverage:$1604 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1904 /yr.

What is the average home insurance cost for a home in 33401?

  • • The average homeowners insurance premium paid annually for a home in 33401 is around $1604 per year.

What does it cost on average per month for home insurance in 33401?

  • • Homeowners in 33401 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 33401?

  • • Autoowners in 33401 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 West Palm Beach area, check out other zip codes nearby 33401.
Review average rates in another zip code:
33413 homeowners insurance rates
33407 homeowners insurance rates
33406 homeowners insurance rates
33403 homeowners insurance rates
33404 homeowners insurance rates
33411 homeowners insurance rates
33417 homeowners insurance rates
33405 homeowners insurance rates
33401 homeowners insurance rates
33415 homeowners insurance rates

Home Replacement Cost Coverage in 33401

Average Building Cost Per Square Foot in 33401: $167

Location: West Palm Beach, Florida (Palm Beach County)

Average Square Footage in 33401: 1,783 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33401 before you start any project. West Palm Beach 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 33401 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 33401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,783 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 West Palm Beach 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$1671,783$297,700
Additional Upgrades & Added Features$2091,783$372,125
Major Home Updates or Advancements$2511,783$446,550

It's important to understand that when you estimate your replacement cost of your home in the 33401 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 33401

Celedinas Agency Inc

Address: 1315 North Dixie Highway West Palm Beach, FL 33401
Phone: (561)588-7304
Website:

Allstate Insurance Company

Address: 2127 10th Avenue North West Palm Beach, FL 33401
Phone: (561)585-6363
Website: www.allstate.com

All In One Insurance

Address: 6795 Stirling Rd Davie, FL 33401
Phone: (561)832-8282
Website:

Best Home & Auto Insurance Agencies in 33401

Mc Donald, Ray - Florida United Insurance

Address: 1649 Forum Pl West Palm Beach, FL 33401
Phone:
Website: http://www.uiccayman.com/
Info:

Allstate Insurance Companies

Address: 1655 Palm Beach Lakes Blvd West Palm Beach, FL 33401
Phone:
Website: http://www.allstateagencies.com
Info:

M & M Insurance

Address: 1784 N Congress Ave West Palm Beach, FL 33401
Phone:
Website:
Info:

Allstate Insurance Company - Debra Piescik

Address: 222 Datura St West Palm Beach, FL 33401
Phone:
Website: http://www.allstateagencies.com/093885?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 33401

Population Review for 33401 Zip Code

For the city of West Palm Beach, the population within 33401 has increased to over 33,602 residents in population size. The current population total is 31,302. We have broken down the population based on race below. In 33401, there are over 14853 in male population and 16449 females.

PopulationValues
Total Population31,302
White Population14906
Black Population10387
Hispanic Population5403
Asian Population724
Hawaiian Population5
Indian Population122
Other Population1917
Male Population14853
Female Population16449
Population Estimate33602

Household Data for 33401

The average number of homes in 33401 is around 15,607, there are an average of 1.94 per household. The average house value according to local real estate values is around $297,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,607
Persons Per Household1.94
Average House Value$297,700
Income Per Household$49554
Median Age40.2
Median Age Male39.2
Median Age Female41.4
33401 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationWEST PALM BCH
Area Code561
CityWest Palm Beach
City Alias NameWEST PALM BEACH
CountyPalm Beach
County FIPS099
State FIPS12
Time Zone5
Day Light SavingY
MSA8960
PMSA
CSA370
CBSA33100
CBSA_DIV48424
CBSA_TypeMetro
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameWest Palm Beach-Boca Raton, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses2358
Number Of Employees30623
Business First Quarter Payroll635455
Business Annual Payroll2588159
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5564635
CBSA Division Population1320134
Congressional District20|22
Congressional LandArea2427.42|172.88
Delivery Residential17321
Delivery Business2253
Delivery Total19177
Preferred Last Line KeyY23234
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameWest Palm Beach-Boca Raton-Delray Beach, FL
City State KeyY23234
Land Area5.075000
Water Area1.886000
City Alias Code
City Mixed CaseWest Palm Beach
City Alias Mixed CaseWest Palm Beach
Box Count0
SFDU3657
MFDU10756
State ANSI12
County ANSI099
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119465
Unique ZIP Name
SSA State County Code10490
Medicare CBSA Code48424
Medicare CBSA NameWest Palm Beach-Boca Raton-Boynton Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID50
County Mixed CasePalm Beach

Florida Homeowners Insurance News & Information

  • $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 […]

  • 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 […]

  • 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 […]

  • 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 […]

  • 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 […]