32034 Homeowners Insurance Quotes & Rates

Fernandina Beach residents living within the 16,854 homes available in the zip code of 32034 are shopping online to compare cheaper and more affordable Fernandina Beach, FL home insurance rates. In the great city of Fernandina Beach, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,643 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32034 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32034 home insurance rates today! Please give us a call now at 1-888-685-4704. For Fernandina Beach, FL Homeowners Insurance Quotes, Click to easily get started!

Average Building Cost Per Square Foot in 32034: $167

Average Square Footage in 32034: 2,191 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32034 before you start any project. Fernandina Beach 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 32034 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 32034 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,191 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 Fernandina Beach 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.

It's important to understand that when you estimate your replacement cost of your home in the 32034 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.

Ameriway Insurance of Nassau County

Allstate Insurance Companies - Yulee

Ameriway Insurance of Nassau County

Allstate Insurance Companies - Independent Agents- Yulee

Allstate Insurance Companies - Independent Agents- Fernandina Beach

Household Data for 32034

The average number of homes in 32034 is around 16,854, there are an average of 2.24 per household. The average house value according to local real estate values is around $365,900. Please review the following demographics below for average income and media age.

• 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

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• Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

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• Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

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• 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 […]