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Homeowners Insurance in 32011

For homeowners living in 32011, you want more affordable home insurance rates in Callahan, right? Our rates are very competitive for homeowners living in the great city of Callahan, FL. Many homeowners living in the 32011 area have found it very easy to shop with For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 32011 should appear in the zip code field ready to go. Comparing Callahan, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

32011 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Callahan pay around $1585 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 32011 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Callahan homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

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32011 Home Insurance Average Premiums

Local 32011 homeowners insurance quotes comparison

$1335 /yr.

Shows Zip Code: 32011 lowest rates with discounts applied on average.

For the 32011, 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)
$1335 /yr.
Average Coverage:$1585 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1885 /yr.

What is the average home insurance cost for a home in 32011?

  • • The average homeowners insurance premium paid annually for a home in 32011 is around $1585 per year.

What does it cost on average per month for home insurance in 32011?

  • • Homeowners in 32011 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 32011?

  • • Autoowners in 32011 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 Callahan area, check out other zip codes nearby 32011.
Review average rates in another zip code:
32011 homeowners insurance rates

Home Replacement Cost Coverage in 32011

Average Building Cost Per Square Foot in 32011: $167

Location: Callahan, Florida (Nassau County)

Average Square Footage in 32011: 1,112 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32011 before you start any project. Callahan 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 32011 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 32011 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,112 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 Callahan 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$1671,112$185,700
Additional Upgrades & Added Features$2091,112$232,125
Major Home Updates or Advancements$2511,112$278,550

It's important to understand that when you estimate your replacement cost of your home in the 32011 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 32011

Allstate Insurance Companies

Address: 1818 South Kings Road # 1 Callahan, FL 32011
Phone: (904)879-1958

Best Home & Auto Insurance Agencies in 32011

Allstate Insurance Companies

Address: 1818 S Kings Rd, #Rd-1 Callahan, FL 32011
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,

Anderson- Gary M

Address: 1801 S Kings Rd Callahan, FL 32011
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 32011

Population Review for 32011 Zip Code

For the city of Callahan, the population within 32011 has increased to over 16,812 residents in population size. The current population total is 15,678. We have broken down the population based on race below. In 32011, there are over 7785 in male population and 7893 females.

Total Population15,678
White Population13719
Black Population659
Hispanic Population557
Asian Population131
Hawaiian Population12
Indian Population63
Other Population163
Male Population7785
Female Population7893
Population Estimate16812

Household Data for 32011

The average number of homes in 32011 is around 5,719, there are an average of 2.74 per household. The average house value according to local real estate values is around $185,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,719
Persons Per Household2.74
Average House Value$185,700
Income Per Household$67087
Median Age41.5
Median Age Male40.5
Median Age Female42.5
32011 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
City Alias NameCALLAHAN
County FIPS089
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses246
Number Of Employees1724
Business First Quarter Payroll13379
Business Annual Payroll58170
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 Residential6136
Delivery Business176
Delivery Total7195
Preferred Last Line KeyY21527
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY21527
Land Area168.529000
Water Area0.007000
City Alias Code
City Mixed CaseCallahan
City Alias Mixed CaseCallahan
Box Count684
State ANSI12
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111245
Unique ZIP Name
SSA State County Code10440
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID45
County Mixed CaseNassau

Florida Homeowners Insurance News & Information

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    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 […]

  • 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 […]