Get multiple home insurance quotes in 33896. Our licensed 33896, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 33896

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 33896, 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 Davenport, 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 33896 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 33896

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

33896 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 Davenport 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 33896, homeowners are seeing rates around 1575 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 33896!

33896 Home Insurance Average Premiums

Local 33896 homeowners insurance quotes comparison

$1325 /yr.

Shows Zip Code: 33896 lowest rates with discounts applied on average.

For the 33896, 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)
$1325 /yr.
Average Coverage:$1575 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1875 /yr.

What is the average home insurance cost for a home in 33896?

  • • The average homeowners insurance premium paid annually for a home in 33896 is around $1575 per year.

What does it cost on average per month for home insurance in 33896?

  • • Homeowners in 33896 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 33896?

  • • Autoowners in 33896 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 Davenport area, check out other zip codes nearby 33896.
Review average rates in another zip code:
33897 homeowners insurance rates
33837 homeowners insurance rates
33896 homeowners insurance rates

Home Replacement Cost Coverage in 33896

Average Building Cost Per Square Foot in 33896: $167

Location: Davenport, Florida (Polk County)

Average Square Footage in 33896: 1,400 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33896 before you start any project. Davenport 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 33896 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 33896 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,400 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 Davenport 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$1671,400$233,800
Additional Upgrades & Added Features$2091,400$292,250
Major Home Updates or Advancements$2511,400$350,700

It's important to understand that when you estimate your replacement cost of your home in the 33896 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 33896

Best Home & Auto Insurance Agencies in 33896

State Farm Insurance - Bill Costello Agent

Address: 1501 Legends Blvd Davenport, FL 33896
Phone:
Website: http://www.costelloagency.com/
Info:

Housing Demographics for 33896

Population Review for 33896 Zip Code

For the city of Davenport, the population within 33896 has increased to over 32,802 residents in population size. The current population total is 19,444. We have broken down the population based on race below. In 33896, there are over 9281 in male population and 10163 females.

PopulationValues
Total Population19,444
White Population10892
Black Population1870
Hispanic Population6782
Asian Population598
Hawaiian Population15
Indian Population75
Other Population2494
Male Population9281
Female Population10163
Population Estimate32802

Household Data for 33896

The average number of homes in 33896 is around 7,354, there are an average of 2.61 per household. The average house value according to local real estate values is around $233,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,354
Persons Per Household2.61
Average House Value$233,800
Income Per Household$59858
Median Age35.6
Median Age Male35.6
Median Age Female35.7
33896 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689/863
CityDavenport
City Alias NameDAVENPORT
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 Businesses323
Number Of Employees4029
Business First Quarter Payroll28042
Business Annual Payroll125186
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 District09|11|18
Congressional LandArea1707.49|2509.88|1512.55
Delivery Residential12568
Delivery Business224
Delivery Total12908
Preferred Last Line KeyY21681
Classification Code
Multi-CountyY
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21681
Land Area20.199000
Water Area0.244000
City Alias Code
City Mixed CaseDavenport
City Alias Mixed CaseDavenport
Box Count0
SFDU2594
MFDU3697
State ANSI12
County ANSI105
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number112070
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

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    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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  • 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 […]