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Are you paying too much for homeowners insurance in 32064? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Live Oak, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 32064?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 32064 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 32064 and get ready to save.

3 Easy Ways To Save Money In 32064

These three links will help you explore home insurance quotes in 32064 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 32064 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Live Oak is roughly $1628. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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32064 Home Insurance Average Premiums

Local 32064 homeowners insurance quotes comparison

$1378 /yr.

Shows Zip Code: 32064 lowest rates with discounts applied on average.

For the 32064, 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)
$1378 /yr.
Average Coverage:$1628 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1928 /yr.

What is the average home insurance cost for a home in 32064?

  • • The average homeowners insurance premium paid annually for a home in 32064 is around $1628 per year.

What does it cost on average per month for home insurance in 32064?

  • • Homeowners in 32064 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32064?

  • • Autoowners in 32064 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 Live Oak area, check out other zip codes nearby 32064.
Review average rates in another zip code:
32060 homeowners insurance rates
32064 homeowners insurance rates

Home Replacement Cost Coverage in 32064

Average Building Cost Per Square Foot in 32064: $167

Location: Live Oak, Florida (Suwannee County)

Average Square Footage in 32064: 723 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32064 before you start any project. Live Oak 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 32064 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 32064 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 723 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 Live Oak 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$167723$120,800
Additional Upgrades & Added Features$209723$151,000
Major Home Updates or Advancements$251723$181,200

It's important to understand that when you estimate your replacement cost of your home in the 32064 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 32064

Cotton States Insurance

Address: 313 Ohio Avenue North Live Oak, FL 32064
Phone: (386)364-2886

B.w. Helvenston & Sons- Inc.

Address: 100 Howard St E Live Oak, FL 32064
Phone: (386)362-1818

Best Home & Auto Insurance Agencies in 32064

A Auto Insurance World

Address: 102 Ohio Ave N Live Oak, FL 32064


Address: 210 Howard St W Live Oak, FL 32064

B & K Auto Insurance Agency

Address: 1315 Howard St E Live Oak, FL 32064

Housing Demographics for 32064

Population Review for 32064 Zip Code

For the city of Live Oak, the population within 32064 has increased to over 6,120 residents in population size. The current population total is 7,495. We have broken down the population based on race below. In 32064, there are over 3468 in male population and 4027 females.

Total Population7,495
White Population4044
Black Population2121
Hispanic Population1225
Asian Population102
Hawaiian Population5
Indian Population43
Other Population579
Male Population3468
Female Population4027
Population Estimate6120

Household Data for 32064

The average number of homes in 32064 is around 2,868, there are an average of 2.40 per household. The average house value according to local real estate values is around $120,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,868
Persons Per Household2.40
Average House Value$120,800
Income Per Household$40871
Median Age40.8
Median Age Male37.8
Median Age Female43.8
32064 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityLive Oak
City Alias NameLIVE OAK
County FIPS121
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses249
Number Of Employees2253
Business First Quarter Payroll16444
Business Annual Payroll71622
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential2550
Delivery Business441
Delivery Total5084
Preferred Last Line KeyY22271
Classification Code
CSA Name
City State KeyY22271
Land Area9.291000
Water Area0.056000
City Alias Code
City Mixed CaseLive Oak
City Alias Mixed CaseLive Oak
Box Count506
State ANSI12
County ANSI121
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115265
Unique ZIP Name
SSA State County Code10600
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID61
County Mixed CaseSuwannee

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]