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Check Out 32065 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Orange Park, FL.

We will gather some basic information about your home in Orange Park, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 32065 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 32065

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Orange Park, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

32065 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 32065 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1592. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 32065 homeowners insurance policy!

32065 Home Insurance Average Premiums

Local 32065 homeowners insurance quotes comparison

$1342 /yr.

Shows Zip Code: 32065 lowest rates with discounts applied on average.

For the 32065, 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)
$1342 /yr.
Average Coverage:$1592 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1892 /yr.

What is the average home insurance cost for a home in 32065?

  • • The average homeowners insurance premium paid annually for a home in 32065 is around $1592 per year.

What does it cost on average per month for home insurance in 32065?

  • • Homeowners in 32065 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 32065?

  • • Autoowners in 32065 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 Orange Park area, check out other zip codes nearby 32065.
Review average rates in another zip code:
32065 homeowners insurance rates
32073 homeowners insurance rates

Home Replacement Cost Coverage in 32065

Average Building Cost Per Square Foot in 32065: $167

Location: Orange Park, Florida (Clay County)

Average Square Footage in 32065: 1,326 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32065 before you start any project. Orange Park 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 32065 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 32065 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,326 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 Orange Park 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$1671,326$221,500
Additional Upgrades & Added Features$2091,326$276,875
Major Home Updates or Advancements$2511,326$332,250

It's important to understand that when you estimate your replacement cost of your home in the 32065 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 32065

Best Home & Auto Insurance Agencies in 32065

Allstate Insurance Company - Cheryl Stewart

Address: 1075 Oakleaf Plantation Pkwy Orange Park, FL 32065
Phone:
Website: http://www.allstateagencies.com/061348?cid=OTC-YP.com-IYP&att=TL
Info:

Pickering Insurance Incorporated

Address: 999 Blanding Blvd Orange Park, FL 32065
Phone:
Website: http://www.realpagessites.com/abacusmrautoinsur
Info:

Allstate Insurance Companies

Address: 950 Blanding Blvd Orange Park, FL 32065
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 32065

Population Review for 32065 Zip Code

For the city of Orange Park, the population within 32065 has increased to over 42,931 residents in population size. The current population total is 40,164. We have broken down the population based on race below. In 32065, there are over 19308 in male population and 20856 females.

PopulationValues
Total Population40,164
White Population22046
Black Population9349
Hispanic Population5645
Asian Population2116
Hawaiian Population78
Indian Population172
Other Population1850
Male Population19308
Female Population20856
Population Estimate42931

Household Data for 32065

The average number of homes in 32065 is around 13,542, there are an average of 2.96 per household. The average house value according to local real estate values is around $221,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,542
Persons Per Household2.96
Average House Value$221,500
Income Per Household$79984
Median Age36.3
Median Age Male34.9
Median Age Female37.4
32065 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CityOrange Park
City Alias NameORANGE PARK
CountyClay
County FIPS019
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses593
Number Of Employees5803
Business First Quarter Payroll48390
Business Annual Payroll215232
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 Residential14504
Delivery Business601
Delivery Total15685
Preferred Last Line KeyY22603
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22603
Land Area19.808000
Water Area0.140000
City Alias Code
City Mixed CaseOrange Park
City Alias Mixed CaseOrange Park
Box Count307
SFDU9492
MFDU1914
State ANSI12
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116885
Unique ZIP Name
SSA State County Code10090
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseClay

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: […]