Get multiple home insurance quotes in 32003. Our licensed 32003, FL agents are ready to serve you.

32003 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32003? Our rates are very competitive for homeowners living in Fleming Island, FL. Many homeowners based out of your 32003 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32003 should appear in the zip code field ready to go. For Fleming Island, FL Home Insurance Rate Quotes click to review the best rates and service online!

32003 Average Premium is Rated: Very High!

Homeowners living in 32003 can easily save up to 40% off the average home insurance premium of $1578 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Fleming Island that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32003 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32003!

32003 Home Insurance Average Premiums

Local 32003 homeowners insurance quotes comparison

$1328 /yr.

Shows Zip Code: 32003 lowest rates with discounts applied on average.

For the 32003, 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)
$1328 /yr.
Average Coverage:$1578 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1878 /yr.

What is the average home insurance cost for a home in 32003?

  • • The average homeowners insurance premium paid annually for a home in 32003 is around $1578 per year.

What does it cost on average per month for home insurance in 32003?

  • • Homeowners in 32003 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32003?

  • • Autoowners in 32003 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 Fleming Island area, check out other zip codes nearby 32003.
Review average rates in another zip code:
32003 homeowners insurance rates

Home Replacement Cost Coverage in 32003

Average Building Cost Per Square Foot in 32003: $167

Location: Fleming Island, Florida (Clay County)

Average Square Footage in 32003: 1,753 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32003 before you start any project. Fleming Island 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 32003 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 32003 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,753 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 Fleming Island 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$1671,753$292,800
Additional Upgrades & Added Features$2091,753$366,000
Major Home Updates or Advancements$2511,753$439,200

It's important to understand that when you estimate your replacement cost of your home in the 32003 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 32003

American National Insurance

Address: 4711 USHighway 17 Suite 2 Orange Park, FL 32003
Phone: (904)264-0500
Website: www.anico.com

Best Home & Auto Insurance Agencies in 32003

Allstate Insurance-Stan R. Borawski

Address: 4701 Us Highway 17 Ste 101 Orange Park, FL 32003
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-Jane DiLoreto Insurance Agency

Address: 1615 County Road 220 #165 Orange Park, FL 32003
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 Companies

Address: 2245 Plantation Center Dr Orange Park, FL 32003
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

Almeta L Monroe Ins Agcy Inc - State Farm Insurance Agent

Address: 3521 US Highway 17 Unit A Orange Park, FL 32003
Phone:
Website:
Info:

Housing Demographics for 32003

Population Review for 32003 Zip Code

For the city of Fleming Island, the population within 32003 has increased to over 30,305 residents in population size. The current population total is 29,142. We have broken down the population based on race below. In 32003, there are over 14035 in male population and 15107 females.

PopulationValues
Total Population29,142
White Population22920
Black Population1621
Hispanic Population2542
Asian Population1222
Hawaiian Population44
Indian Population92
Other Population653
Male Population14035
Female Population15107
Population Estimate30305

Household Data for 32003

The average number of homes in 32003 is around 10,826, there are an average of 2.66 per household. The average house value according to local real estate values is around $292,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,826
Persons Per Household2.66
Average House Value$292,800
Income Per Household$103019
Median Age44.7
Median Age Male43.3
Median Age Female45.8
32003 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias AbbreviationFLEMING ISLE
Area Code904
CityFleming Island
City Alias NameFLEMING ISLAND
CountyClay
County FIPS019
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses691
Number Of Employees7338
Business First Quarter Payroll68912
Business Annual Payroll299695
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District04
Congressional LandArea1875.97
Delivery Residential11393
Delivery Business529
Delivery Total11536
Preferred Last Line Key002434
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State Key002434
Land Area15.838000
Water Area7.018000
City Alias Code
City Mixed CaseFleming Island
City Alias Mixed CaseFleming Island
Box Count0
SFDU8548
MFDU1768
State ANSI12
County ANSI019
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116885
Unique ZIP Name
SSA State County Code10090
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseClay

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

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  • 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 […]