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Find the Best Home Insurance Rates in 32061

Shopping for homeowners insurance in 32061 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Lulu, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32061 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 32061

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

32061 Home Insurance Rating is: very high!

In 32061 the average premium is $1656. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 32061, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32061!

32061 Home Insurance Average Premiums

Local 32061 homeowners insurance quotes comparison

$1406 /yr.

Shows Zip Code: 32061 lowest rates with discounts applied on average.

For the 32061, 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)
$1406 /yr.
Average Coverage:$1656 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1956 /yr.

What is the average home insurance cost for a home in 32061?

  • • The average homeowners insurance premium paid annually for a home in 32061 is around $1656 per year.

What does it cost on average per month for home insurance in 32061?

  • • Homeowners in 32061 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32061?

  • • Autoowners in 32061 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 Lulu area, check out other zip codes nearby 32061.
Review average rates in another zip code:
32061 homeowners insurance rates

Home Replacement Cost Coverage in 32061

Average Building Cost Per Square Foot in 32061: $167

Location: Lulu, Florida (Columbia County)

Average Square Footage in 32061: 1,104 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32061 before you start any project. Lulu 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 32061 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 32061 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,104 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 Lulu 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$1671,104$184,400
Additional Upgrades & Added Features$2091,104$230,500
Major Home Updates or Advancements$2511,104$276,600

It's important to understand that when you estimate your replacement cost of your home in the 32061 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 32061

Best Home & Auto Insurance Agencies in 32061

Housing Demographics for 32061

Population Review for 32061 Zip Code

For the city of Lulu, the population within 32061 has increased to over 452 residents in population size. The current population total is 364. We have broken down the population based on race below. In 32061, there are over 210 in male population and 154 females.

Total Population364
White Population308
Black Population11
Hispanic Population24
Asian Population3
Hawaiian Population1
Indian Population0
Other Population7
Male Population210
Female Population154
Population Estimate452

Household Data for 32061

The average number of homes in 32061 is around 111, there are an average of 3.28 per household. The average house value according to local real estate values is around $184,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode111
Persons Per Household3.28
Average House Value$184,400
Income Per Household$0
Median Age34.3
Median Age Male37.3
Median Age Female25.3
32061 DetailsValues
State Full NameFlorida
City TypeN
City Alias Abbreviation
Area Code386
City Alias NameLULU
County FIPS023
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameLake City, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Residential138
Delivery Business2
Delivery Total616
Preferred Last Line Key016036
Classification Code
CSA NameGainesville-Lake City, FL
City State Key016036
Land Area16.009000
Water Area0.000000
City Alias Code
City Mixed CaseLulu
City Alias Mixed CaseLulu
Box Count0
State ANSI12
County ANSI023
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number114800
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 […]