Get multiple home insurance quotes in 32046. Our licensed 32046, FL agents are ready to serve you.

32046 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 32046 is very time consuming. At, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Hilliard, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 32046 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Hilliard homeowners insurance rates, coverage options or home insurance types, please select Hilliard, FL Home Insurance Rates Online!

32046 Home Insurance Average Premiums

Local 32046 homeowners insurance quotes comparison

$1366 /yr.

Shows Zip Code: 32046 lowest rates with discounts applied on average.

For the 32046, 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)
$1366 /yr.
Average Coverage:$1616 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1916 /yr.

What is the average home insurance cost for a home in 32046?

  • • The average homeowners insurance premium paid annually for a home in 32046 is around $1616 per year.

What does it cost on average per month for home insurance in 32046?

  • • Homeowners in 32046 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32046?

  • • Autoowners in 32046 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 Hilliard area, check out other zip codes nearby 32046.
Review average rates in another zip code:
32046 homeowners insurance rates

Home Replacement Cost Coverage in 32046

Average Building Cost Per Square Foot in 32046: $167

Location: Hilliard, Florida (Nassau County)

Average Square Footage in 32046: 1,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32046 before you start any project. Hilliard 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 32046 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 32046 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,134 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 Hilliard 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$1671,134$189,400
Additional Upgrades & Added Features$2091,134$236,750
Major Home Updates or Advancements$2511,134$284,100

It's important to understand that when you estimate your replacement cost of your home in the 32046 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 32046

Best Home & Auto Insurance Agencies in 32046

Arnold Insurance Agency

Address: 3734 W 3rd St Hilliard, FL 32046

Housing Demographics for 32046

Population Review for 32046 Zip Code

For the city of Hilliard, the population within 32046 has increased to over 10,203 residents in population size. The current population total is 9,626. We have broken down the population based on race below. In 32046, there are over 4716 in male population and 4910 females.

Total Population9,626
White Population8566
Black Population424
Hispanic Population212
Asian Population39
Hawaiian Population3
Indian Population31
Other Population46
Male Population4716
Female Population4910
Population Estimate10203

Household Data for 32046

The average number of homes in 32046 is around 3,550, there are an average of 2.69 per household. The average house value according to local real estate values is around $189,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,550
Persons Per Household2.69
Average House Value$189,400
Income Per Household$64338
Median Age40.1
Median Age Male39.5
Median Age Female40.7
32046 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
City Alias NameHILLIARD
County FIPS089
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses159
Number Of Employees1025
Business First Quarter Payroll7864
Business Annual Payroll33907
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 Residential3793
Delivery Business124
Delivery Total4476
Preferred Last Line KeyY22044
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22044
Land Area196.559000
Water Area0.962000
City Alias Code
City Mixed CaseHilliard
City Alias Mixed CaseHilliard
Box Count455
State ANSI12
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113915
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

  • 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 […]