Get multiple home insurance quotes in 34429. Our licensed 34429, FL agents are ready to serve you.

Check Out 34429 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Crystal River, FL.

We will gather some basic information about your home in Crystal River, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 34429 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 34429

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

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

34429 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 34429 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1647. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 34429 homeowners insurance policy!

34429 Home Insurance Average Premiums

Local 34429 homeowners insurance quotes comparison

$1397 /yr.

Shows Zip Code: 34429 lowest rates with discounts applied on average.

For the 34429, 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)
$1397 /yr.
Average Coverage:$1647 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1947 /yr.

What is the average home insurance cost for a home in 34429?

  • • The average homeowners insurance premium paid annually for a home in 34429 is around $1647 per year.

What does it cost on average per month for home insurance in 34429?

  • • Homeowners in 34429 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 34429?

  • • Autoowners in 34429 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 Crystal River area, check out other zip codes nearby 34429.
Review average rates in another zip code:
34428 homeowners insurance rates
34429 homeowners insurance rates

Home Replacement Cost Coverage in 34429

Average Building Cost Per Square Foot in 34429: $167

Location: Crystal River, Florida (Citrus County)

Average Square Footage in 34429: 954 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34429 before you start any project. Crystal River 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 34429 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 34429 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 954 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 Crystal River 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$167954$159,400
Additional Upgrades & Added Features$209954$199,250
Major Home Updates or Advancements$251954$239,100

It's important to understand that when you estimate your replacement cost of your home in the 34429 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 34429

Best Home & Auto Insurance Agencies in 34429

Ryan, Lampasona - State Farm Insurance Auto Car Life 34433 34434

Address: 867 NE 5th St Crystal River, FL 34429
Phone:
Website: http://www.crystalriverinsurance.com/
Info:

Allstate Insurance Companies

Address: 8028 W Gulf to Lake Hwy Crystal River, FL 34429
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

Housing Demographics for 34429

Population Review for 34429 Zip Code

For the city of Crystal River, the population within 34429 has increased to over 10,147 residents in population size. The current population total is 8,837. We have broken down the population based on race below. In 34429, there are over 4238 in male population and 4599 females.

PopulationValues
Total Population8,837
White Population7818
Black Population290
Hispanic Population364
Asian Population127
Hawaiian Population2
Indian Population34
Other Population112
Male Population4238
Female Population4599
Population Estimate10147

Household Data for 34429

The average number of homes in 34429 is around 4,113, there are an average of 2.07 per household. The average house value according to local real estate values is around $159,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,113
Persons Per Household2.07
Average House Value$159,400
Income Per Household$50690
Median Age60.0
Median Age Male59.4
Median Age Female60.5
34429 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityCrystal River
City Alias NameCRYSTAL RIVER
CountyCitrus
County FIPS017
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA26140
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHomosassa Springs, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses444
Number Of Employees4309
Business First Quarter Payroll35993
Business Annual Payroll160369
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population141236
CBSA Division Population0
Congressional District12
Congressional LandArea883.75
Delivery Residential4902
Delivery Business696
Delivery Total6496
Preferred Last Line KeyY21665
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21665
Land Area41.377000
Water Area33.915000
City Alias Code
City Mixed CaseCrystal River
City Alias Mixed CaseCrystal River
Box Count0
SFDU3594
MFDU36
State ANSI12
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111980
Unique ZIP Name
SSA State County Code10080
Medicare CBSA Code26140
Medicare CBSA NameHomosassa Springs, FL
Medicare CBSA TypeMetro
Market Rating Area ID9
County Mixed CaseCitrus

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 […]