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Home Insurance Rates in 32008

For homeowners shopping online in 32008, our insurance rates are very competitive for homeowners living in Branford, FL. Many homeowners based out of the great city of Branford have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32008, simply click the "Get Multiple Quotes Now" button. Your 32008 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Branford, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32008 Home Insurance Rating is: Very High!

If you live in 32008, you can easily save up to 40% off the average home insurance premium of $1638 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Branford can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32008 today!

Get Multiple Home Insurance Rates in 32008!

32008 Home Insurance Average Premiums

Local 32008 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32008 lowest rates with discounts applied on average.

For the 32008, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32008?

  • • The average homeowners insurance premium paid annually for a home in 32008 is around $1638 per year.

What does it cost on average per month for home insurance in 32008?

  • • Homeowners in 32008 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 32008?

  • • Autoowners in 32008 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 Branford area, check out other zip codes nearby 32008.
Review average rates in another zip code:
32008 homeowners insurance rates

Home Replacement Cost Coverage in 32008

Average Building Cost Per Square Foot in 32008: $167

Location: Branford, Florida (Suwannee County)

Average Square Footage in 32008: 575 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32008 before you start any project. Branford 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 32008 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 32008 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 575 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 Branford 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$167575$96,000
Additional Upgrades & Added Features$209575$120,000
Major Home Updates or Advancements$251575$144,000

It's important to understand that when you estimate your replacement cost of your home in the 32008 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 32008

Best Home & Auto Insurance Agencies in 32008

Housing Demographics for 32008

Population Review for 32008 Zip Code

For the city of Branford, the population within 32008 has increased to over 5,757 residents in population size. The current population total is 5,397. We have broken down the population based on race below. In 32008, there are over 2685 in male population and 2712 females.

Total Population5,397
White Population4821
Black Population76
Hispanic Population393
Asian Population15
Hawaiian Population1
Indian Population13
Other Population144
Male Population2685
Female Population2712
Population Estimate5757

Household Data for 32008

The average number of homes in 32008 is around 2,297, there are an average of 2.35 per household. The average house value according to local real estate values is around $96,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,297
Persons Per Household2.35
Average House Value$96,000
Income Per Household$42802
Median Age48.1
Median Age Male47.6
Median Age Female48.6
32008 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
City Alias NameBRANFORD
County FIPS121
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses100
Number Of Employees779
Business First Quarter Payroll7026
Business Annual Payroll27837
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential2450
Delivery Business98
Delivery Total3033
Preferred Last Line KeyY21503
Classification Code
CSA Name
City State KeyY21503
Land Area150.614000
Water Area2.599000
City Alias Code
City Mixed CaseBranford
City Alias Mixed CaseBranford
Box Count368
State ANSI12
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111035
Unique ZIP Name
SSA State County Code10600
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID61
County Mixed CaseSuwannee

Florida Homeowners Insurance News & Information

  • 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 […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]