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32073 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32073? Our rates are very competitive for homeowners living in Orange Park, FL. Many homeowners based out of your 32073 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32073 should appear in the zip code field ready to go. For Orange Park, FL Home Insurance Rate Quotes click to review the best rates and service online!

32073 Average Premium is Rated: Very High!

Homeowners living in 32073 can easily save up to 40% off the average home insurance premium of $1588 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Orange Park that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32073 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32073!

32073 Home Insurance Average Premiums

Local 32073 homeowners insurance quotes comparison

$1338 /yr.

Shows Zip Code: 32073 lowest rates with discounts applied on average.

For the 32073, 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)
$1338 /yr.
Average Coverage:$1588 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1888 /yr.

What is the average home insurance cost for a home in 32073?

  • • The average homeowners insurance premium paid annually for a home in 32073 is around $1588 per year.

What does it cost on average per month for home insurance in 32073?

  • • Homeowners in 32073 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32073?

  • • Autoowners in 32073 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 32073.
Review average rates in another zip code:
32073 homeowners insurance rates
32065 homeowners insurance rates

Home Replacement Cost Coverage in 32073

Average Building Cost Per Square Foot in 32073: $167

Location: Orange Park, Florida (Clay County)

Average Square Footage in 32073: 1,177 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32073 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 32073 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 32073 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,177 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$1671,177$196,500
Additional Upgrades & Added Features$2091,177$245,625
Major Home Updates or Advancements$2511,177$294,750

It's important to understand that when you estimate your replacement cost of your home in the 32073 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 32073

Best Home & Auto Insurance Agencies in 32073

Allstate Insurance Companies

Address: 661 Blanding Blvd Orange Park, FL 32073
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,

Housing Demographics for 32073

Population Review for 32073 Zip Code

For the city of Orange Park, the population within 32073 has increased to over 44,589 residents in population size. The current population total is 43,527. We have broken down the population based on race below. In 32073, there are over 20938 in male population and 22589 females.

Total Population43,527
White Population26732
Black Population7841
Hispanic Population5941
Asian Population1807
Hawaiian Population95
Indian Population179
Other Population2025
Male Population20938
Female Population22589
Population Estimate44589

Household Data for 32073

The average number of homes in 32073 is around 16,505, there are an average of 2.57 per household. The average house value according to local real estate values is around $196,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,505
Persons Per Household2.57
Average House Value$196,500
Income Per Household$67370
Median Age41.0
Median Age Male38.8
Median Age Female43.1
32073 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CityOrange Park
City Alias NameORANGE PARK
County FIPS019
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1358
Number Of Employees18701
Business First Quarter Payroll190604
Business Annual Payroll827419
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 Residential17350
Delivery Business1703
Delivery Total18477
Preferred Last Line KeyY22603
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22603
Land Area16.838000
Water Area3.622000
City Alias Code
City Mixed CaseOrange Park
City Alias Mixed CaseOrange Park
Box Count0
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

  • 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 […]