Get multiple home insurance quotes in 33854. Our licensed 33854, FL agents are ready to serve you.

Home Insurance Rates in 33854

For homeowners shopping online in 33854, our insurance rates are very competitive for homeowners living in Lakeshore, FL. Many homeowners based out of the great city of Lakeshore have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 33854, simply click the "Get Multiple Quotes Now" button. Your 33854 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Lakeshore, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

33854 Home Insurance Rating is: Very High!

If you live in 33854, you can easily save up to 40% off the average home insurance premium of $1633 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Lakeshore can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 33854 today!

Get Multiple Home Insurance Rates in 33854!

33854 Home Insurance Average Premiums

Local 33854 homeowners insurance quotes comparison

$1383 /yr.

Shows Zip Code: 33854 lowest rates with discounts applied on average.

For the 33854, 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)
$1383 /yr.
Average Coverage:$1633 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1933 /yr.

What is the average home insurance cost for a home in 33854?

  • • The average homeowners insurance premium paid annually for a home in 33854 is around $1633 per year.

What does it cost on average per month for home insurance in 33854?

  • • Homeowners in 33854 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33854?

  • • Autoowners in 33854 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 Lakeshore area, check out other zip codes nearby 33854.
Review average rates in another zip code:
33854 homeowners insurance rates

Home Replacement Cost Coverage in 33854

Average Building Cost Per Square Foot in 33854: $167

Location: Lakeshore, Florida (Polk County)

Average Square Footage in 33854: 444 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33854 before you start any project. Lakeshore 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 33854 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 33854 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 444 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 Lakeshore 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$167444$74,200
Additional Upgrades & Added Features$209444$92,750
Major Home Updates or Advancements$251444$111,300

It's important to understand that when you estimate your replacement cost of your home in the 33854 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 33854

Best Home & Auto Insurance Agencies in 33854

Housing Demographics for 33854

Population Review for 33854 Zip Code

For the city of Lakeshore, the population within 33854 has increased to over 0 residents in population size. The current population total is 520. We have broken down the population based on race below. In 33854, there are over 235 in male population and 285 females.

PopulationValues
Total Population520
White Population226
Black Population9
Hispanic Population379
Asian Population5
Hawaiian Population0
Indian Population0
Other Population112
Male Population235
Female Population285
Population Estimate0

Household Data for 33854

The average number of homes in 33854 is around 328, there are an average of 1.59 per household. The average house value according to local real estate values is around $74,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode328
Persons Per Household1.59
Average House Value$74,200
Income Per Household$35139
Median Age63.6
Median Age Male66.0
Median Age Female62.0
33854 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code863
CityLakeshore
City Alias NameLAKESHORE
CountyPolk
County FIPS105
State FIPS12
Time Zone5
Day Light SavingY
MSA3980
PMSA
CSA422
CBSA29460
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLakeland-Winter Haven, FL
MSA_NameLakeland-Winter Haven, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees23
Business First Quarter Payroll116
Business Annual Payroll442
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population602095
CBSA Division Population0
Congressional District18
Congressional LandArea1512.55
Delivery Residential0
Delivery Business0
Delivery Total1455
Preferred Last Line KeyY21821
Classification CodeP
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21821
Land Area0.157000
Water Area0.030000
City Alias Code
City Mixed CaseLakeshore
City Alias Mixed CaseLakeshore
Box Count0
SFDU0
MFDU0
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeC
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114995
Unique ZIP Name
SSA State County Code10520
Medicare CBSA Code29460
Medicare CBSA NameLakeland-Winter Haven, FL
Medicare CBSA TypeMetro
Market Rating Area ID53
County Mixed CasePolk

Florida Homeowners Insurance News & Information

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    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 […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • 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

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • 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 […]

  • $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 […]