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34990 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 34990 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Palm City, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 34990.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 34990 and start shopping.

Quickly and Easily Compare Average Rates for 34990

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

Average Policy Rates in 34990

Homeowners in Palm City are paying roughly $1548 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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34990 Home Insurance Average Premiums

Local 34990 homeowners insurance quotes comparison

$1298 /yr.

Shows Zip Code: 34990 lowest rates with discounts applied on average.

For the 34990, 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)
$1298 /yr.
Average Coverage:$1548 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1848 /yr.

What is the average home insurance cost for a home in 34990?

  • • The average homeowners insurance premium paid annually for a home in 34990 is around $1548 per year.

What does it cost on average per month for home insurance in 34990?

  • • Homeowners in 34990 pay a monthly average cost per month around $129.00.

What kind of discount could I get if I combine my home and auto insurance together in 34990?

  • • Autoowners in 34990 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 Palm City area, check out other zip codes nearby 34990.
Review average rates in another zip code:
34990 homeowners insurance rates

Home Replacement Cost Coverage in 34990

Average Building Cost Per Square Foot in 34990: $167

Location: Palm City, Florida (Martin County)

Average Square Footage in 34990: 2,580 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34990 before you start any project. Palm City 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 34990 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 34990 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,580 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 Palm City 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$1672,580$430,900
Additional Upgrades & Added Features$2092,580$538,625
Major Home Updates or Advancements$2512,580$646,350

It's important to understand that when you estimate your replacement cost of your home in the 34990 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 34990

Best Home & Auto Insurance Agencies in 34990

Allstate Insurance Company

Address: 3119 SW Martin Downs Blvd Palm City, FL 34990
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance Companies - Sales Offices- Palm City

Address: 2658 SW Reilley Ave Palm City, FL 34990
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 34990

Population Review for 34990 Zip Code

For the city of Palm City, the population within 34990 has increased to over 34,148 residents in population size. The current population total is 31,160. We have broken down the population based on race below. In 34990, there are over 15056 in male population and 16104 females.

PopulationValues
Total Population31,160
White Population26979
Black Population342
Hispanic Population2669
Asian Population719
Hawaiian Population20
Indian Population60
Other Population517
Male Population15056
Female Population16104
Population Estimate34148

Household Data for 34990

The average number of homes in 34990 is around 12,792, there are an average of 2.43 per household. The average house value according to local real estate values is around $430,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,792
Persons Per Household2.43
Average House Value$430,900
Income Per Household$105527
Median Age51.4
Median Age Male50.6
Median Age Female52.2
34990 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
CityPalm City
City Alias NamePALM CITY
CountyMartin
County FIPS085
State FIPS12
Time Zone5
Day Light SavingY
MSA2710
PMSA
CSA370
CBSA38940
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePort St. Lucie, FL
MSA_NameFort Pierce-Port St. Lucie, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1029
Number Of Employees8902
Business First Quarter Payroll84884
Business Annual Payroll390319
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population424107
CBSA Division Population0
Congressional District21
Congressional LandArea260.97
Delivery Residential14053
Delivery Business692
Delivery Total14394
Preferred Last Line KeyY22643
Classification Code
Multi-CountyY
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_Name
City State KeyY22643
Land Area103.039000
Water Area5.294000
City Alias Code
City Mixed CasePalm City
City Alias Mixed CasePalm City
Box Count0
SFDU9920
MFDU961
State ANSI12
County ANSI085
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number117185
Unique ZIP Name
SSA State County Code10420
Medicare CBSA Code38940
Medicare CBSA NamePort St. Lucie, FL
Medicare CBSA TypeMetro
Market Rating Area ID42
County Mixed CaseMartin

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 […]

  • 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 […]