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Home Insurance in 32055

One of the best ways to save money on your homeowners insurance policy in the 32055 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Lake City, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 32055 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 32055

Find Lake City, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 32055

According to industry data, homeowners located in Lake City pay roughly $1599 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 32055 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 32055 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 32055 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 32055.

Let us find you a great policy at an affordable price, get 32055 homeowners insurance quotes now.

32055 Home Insurance Average Premiums

Local 32055 homeowners insurance quotes comparison

$1349 /yr.

Shows Zip Code: 32055 lowest rates with discounts applied on average.

For the 32055, 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)
$1349 /yr.
Average Coverage:$1599 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1899 /yr.

What is the average home insurance cost for a home in 32055?

  • • The average homeowners insurance premium paid annually for a home in 32055 is around $1599 per year.

What does it cost on average per month for home insurance in 32055?

  • • Homeowners in 32055 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32055?

  • • Autoowners in 32055 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 32055.
Review average rates in another zip code:
32025 homeowners insurance rates
32024 homeowners insurance rates
32055 homeowners insurance rates

Home Replacement Cost Coverage in 32055

Average Building Cost Per Square Foot in 32055: $167

Location: Lake City, Florida (Columbia County)

Average Square Footage in 32055: 735 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32055 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 32055 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 32055 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 735 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$167735$122,800
Additional Upgrades & Added Features$209735$153,500
Major Home Updates or Advancements$251735$184,200

It's important to understand that when you estimate your replacement cost of your home in the 32055 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 32055

Brooke Insurance & Financial Services

Address: 746 West Duval Street Lake City, FL 32055
Phone: (386)752-4700
Website:

Best Home & Auto Insurance Agencies in 32055

Blue Cross and Blue Shield of Florida Inc-Parks Johnson Insurance

Address: 133 NW Madison St Lake City, FL 32055
Phone:
Website:
Info:

Allstate Insurance - Connie M. Eadie

Address: 4447 NW American Ln, #101 Lake City, FL 32055
Phone:
Website:
Info:

Housing Demographics for 32055

Population Review for 32055 Zip Code

For the city of Lake City, the population within 32055 has increased to over 16,907 residents in population size. The current population total is 16,624. We have broken down the population based on race below. In 32055, there are over 8422 in male population and 8202 females.

PopulationValues
Total Population16,624
White Population10433
Black Population4638
Hispanic Population1012
Asian Population248
Hawaiian Population6
Indian Population48
Other Population339
Male Population8422
Female Population8202
Population Estimate16907

Household Data for 32055

The average number of homes in 32055 is around 6,381, there are an average of 2.50 per household. The average house value according to local real estate values is around $122,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,381
Persons Per Household2.50
Average House Value$122,800
Income Per Household$41065
Median Age41.5
Median Age Male40.1
Median Age Female43.3
32055 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityLake City
City Alias NameLAKE CITY
CountyColumbia
County FIPS023
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA264
CBSA29380
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLake City, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses588
Number Of Employees9276
Business First Quarter Payroll92399
Business Annual Payroll381009
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 Residential6763
Delivery Business827
Delivery Total7775
Preferred Last Line KeyY22191
Classification Code
Multi-CountyY
CSA NameGainesville-Lake City, FL
CBSA_DIV_Name
City State KeyY22191
Land Area184.263000
Water Area1.265000
City Alias Code
City Mixed CaseLake City
City Alias Mixed CaseLake City
Box Count7
SFDU5535
MFDU49
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]