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Home Insurance Quotes in 32024

Are you shopping for a cheaper homeowners insurance rate in 32024? Our rates are very competitive for homeowners living in Lake City, FL. Many homeowners located in the 32024 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32024. To get free 32024 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32024 zip code should appear in the zip code field ready to go. Shopping Lake City, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32024 to review the best rate coverages.

Your 32024 Home Insurance Costs Is Rated: Very High!

For the great city of Lake City, the average home insurance premium paid annually is around $1642 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Lake City and need insurance on your home in the 32024 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 32024 Homeowners Insurance Rates Now!

32024 Home Insurance Average Premiums

Local 32024 homeowners insurance quotes comparison

$1392 /yr.

Shows Zip Code: 32024 lowest rates with discounts applied on average.

For the 32024, 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)
$1392 /yr.
Average Coverage:$1642 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1942 /yr.

What is the average home insurance cost for a home in 32024?

  • • The average homeowners insurance premium paid annually for a home in 32024 is around $1642 per year.

What does it cost on average per month for home insurance in 32024?

  • • Homeowners in 32024 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 32024?

  • • Autoowners in 32024 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 Lake City area, check out other zip codes nearby 32024.
Review average rates in another zip code:
32025 homeowners insurance rates
32024 homeowners insurance rates
32055 homeowners insurance rates

Home Replacement Cost Coverage in 32024

Average Building Cost Per Square Foot in 32024: $167

Location: Lake City, Florida (Columbia County)

Average Square Footage in 32024: 952 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32024 before you start any project. Lake 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 32024 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 32024 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 952 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 Lake 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$167952$159,000
Additional Upgrades & Added Features$209952$198,750
Major Home Updates or Advancements$251952$238,500

It's important to understand that when you estimate your replacement cost of your home in the 32024 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 32024

American Insurance Services

Address: West Highway 90 Lake City, FL 32024
Phone: (386)755-9070

Best Home & Auto Insurance Agencies in 32024

American Insurance Services

Address: W Us Highway 90 Lake City, FL 32024

Allstate Insurance Companies

Address: 163 SW Stonegate Ter Lake City, FL 32024
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 32024

Population Review for 32024 Zip Code

For the city of Lake City, the population within 32024 has increased to over 22,046 residents in population size. The current population total is 20,106. We have broken down the population based on race below. In 32024, there are over 9813 in male population and 10293 females.

Total Population20,106
White Population16414
Black Population1512
Hispanic Population1461
Asian Population276
Hawaiian Population10
Indian Population87
Other Population382
Male Population9813
Female Population10293
Population Estimate22046

Household Data for 32024

The average number of homes in 32024 is around 7,802, there are an average of 2.58 per household. The average house value according to local real estate values is around $159,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,802
Persons Per Household2.58
Average House Value$159,000
Income Per Household$57636
Median Age43.6
Median Age Male42.9
Median Age Female44.5
32024 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityLake City
City Alias NameLAKE CITY
County FIPS023
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameLake City, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses243
Number Of Employees2086
Business First Quarter Payroll17146
Business Annual Payroll75458
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population67531
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential8545
Delivery Business204
Delivery Total8724
Preferred Last Line KeyY22191
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY22191
Land Area145.432000
Water Area0.102000
City Alias Code
City Mixed CaseLake City
City Alias Mixed CaseLake City
Box Count0
State ANSI12
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114815
Unique ZIP Name
SSA State County Code10110
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID12
County Mixed CaseColumbia

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 […]