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33928 Home Insurance Rates & Premiums

Did you know there are over 28,955 people living within the 33928 zip code area? There are over 13,851 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 33928.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,598 a year for a standard homeowners insurance policy in Estero. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Estero, FL Homeowners Insurance Quotes Online

33928 Home Insurance Average Premiums

Local 33928 homeowners insurance quotes comparison

$1348 /yr.

Shows Zip Code: 33928 lowest rates with discounts applied on average.

For the 33928, 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)
$1348 /yr.
Average Coverage:$1598 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1898 /yr.

What is the average home insurance cost for a home in 33928?

  • • The average homeowners insurance premium paid annually for a home in 33928 is around $1598 per year.

What does it cost on average per month for home insurance in 33928?

  • • Homeowners in 33928 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 33928?

  • • Autoowners in 33928 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 Estero area, check out other zip codes nearby 33928.
Review average rates in another zip code:
33928 homeowners insurance rates

Home Replacement Cost Coverage in 33928

Average Building Cost Per Square Foot in 33928: $167

Location: Estero, Florida (Lee County)

Average Square Footage in 33928: 1,937 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33928 before you start any project. Estero 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 33928 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 33928 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,937 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 Estero 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$1671,937$323,500
Additional Upgrades & Added Features$2091,937$404,375
Major Home Updates or Advancements$2511,937$485,250

It's important to understand that when you estimate your replacement cost of your home in the 33928 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 33928

Best Home & Auto Insurance Agencies in 33928

Mathews, Rich Estero - State Farm Seguros De Auto Carro Vida 33928 33913

Address: 20321 Grande Oak Shoppes Boulevard Estero, FL 33928
Phone:
Website: http://www.richmathewsagency.com/
Info:

Great Florida Insurance

Address: 20461 South Tamiami Trail Estero, FL 33928
Phone:
Website: http://www.greatflorida.com/
Info:

Allstate Insurance Companies

Address: 21301 S Tamiami Trl Estero, FL 33928
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance - Ted A. Todd

Address: 21301 S Tamiami Trl, #330 Estero, FL 33928
Phone:
Website:
Info:

Housing Demographics for 33928

Population Review for 33928 Zip Code

For the city of Estero, the population within 33928 has increased to over 41,193 residents in population size. The current population total is 28,955. We have broken down the population based on race below. In 33928, there are over 13979 in male population and 14976 females.

PopulationValues
Total Population28,955
White Population25257
Black Population329
Hispanic Population2554
Asian Population578
Hawaiian Population11
Indian Population43
Other Population781
Male Population13979
Female Population14976
Population Estimate41193

Household Data for 33928

The average number of homes in 33928 is around 13,851, there are an average of 2.07 per household. The average house value according to local real estate values is around $323,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,851
Persons Per Household2.07
Average House Value$323,500
Income Per Household$89220
Median Age61.8
Median Age Male61.4
Median Age Female62.1
33928 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code239
CityEstero
City Alias NameESTERO
CountyLee
County FIPS071
State FIPS12
Time Zone5
Day Light SavingY
MSA2700
PMSA
CSA163
CBSA15980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCape Coral-Fort Myers, FL
MSA_NameFort Myers-Cape Coral, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses890
Number Of Employees10384
Business First Quarter Payroll98411
Business Annual Payroll423679
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population618754
CBSA Division Population0
Congressional District19
Congressional LandArea750.37
Delivery Residential19900
Delivery Business771
Delivery Total20248
Preferred Last Line KeyY21805
Classification Code
Multi-County
CSA NameCape Coral-Fort Myers-Naples, FL
CBSA_DIV_Name
City State KeyY21805
Land Area41.680000
Water Area1.338000
City Alias Code
City Mixed CaseEstero
City Alias Mixed CaseEstero
Box Count0
SFDU8345
MFDU4675
State ANSI12
County ANSI071
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number112715
Unique ZIP Name
SSA State County Code10350
Medicare CBSA Code15980
Medicare CBSA NameCape Coral-Fort Myers, FL
Medicare CBSA TypeMetro
Market Rating Area ID35
County Mixed CaseLee

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 […]