Get multiple home insurance quotes in 32038. Our licensed 32038, FL agents are ready to serve you.

Compare 32038 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 32038 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,639/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 32038 zip code, the population size is around 10,141 with 4,039 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 32038.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Fort White, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

32038 Home Insurance Average Premiums

Local 32038 homeowners insurance quotes comparison

$1389 /yr.

Shows Zip Code: 32038 lowest rates with discounts applied on average.

For the 32038, 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)
$1389 /yr.
Average Coverage:$1639 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1939 /yr.

What is the average home insurance cost for a home in 32038?

  • • The average homeowners insurance premium paid annually for a home in 32038 is around $1639 per year.

What does it cost on average per month for home insurance in 32038?

  • • Homeowners in 32038 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 32038?

  • • Autoowners in 32038 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 Fort White area, check out other zip codes nearby 32038.
Review average rates in another zip code:
32038 homeowners insurance rates

Home Replacement Cost Coverage in 32038

Average Building Cost Per Square Foot in 32038: $167

Location: Fort White, Florida (Columbia County)

Average Square Footage in 32038: 874 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32038 before you start any project. Fort White 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 32038 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 32038 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 874 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 Fort White 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$167874$146,000
Additional Upgrades & Added Features$209874$182,500
Major Home Updates or Advancements$251874$219,000

It's important to understand that when you estimate your replacement cost of your home in the 32038 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 32038

Best Home & Auto Insurance Agencies in 32038

Housing Demographics for 32038

Population Review for 32038 Zip Code

For the city of Fort White, the population within 32038 has increased to over 11,086 residents in population size. The current population total is 10,141. We have broken down the population based on race below. In 32038, there are over 5071 in male population and 5070 females.

Total Population10,141
White Population8357
Black Population698
Hispanic Population673
Asian Population50
Hawaiian Population7
Indian Population38
Other Population174
Male Population5071
Female Population5070
Population Estimate11086

Household Data for 32038

The average number of homes in 32038 is around 4,039, there are an average of 2.51 per household. The average house value according to local real estate values is around $146,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,039
Persons Per Household2.51
Average House Value$146,000
Income Per Household$45188
Median Age47.8
Median Age Male46.5
Median Age Female49.3
32038 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityFort White
City Alias NameFORT WHITE
County FIPS023
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameLake City, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses79
Number Of Employees240
Business First Quarter Payroll1535
Business Annual Payroll6948
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 Residential4417
Delivery Business153
Delivery Total4985
Preferred Last Line KeyY21892
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY21892
Land Area107.089000
Water Area0.105000
City Alias Code
City Mixed CaseFort White
City Alias Mixed CaseFort White
Box Count367
State ANSI12
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113135
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

  • 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

    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 […]