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Home Insurance Rates in 32079

For homeowners shopping online in 32079, our insurance rates are very competitive for homeowners living in Penney Farms, FL. Many homeowners based out of the great city of Penney Farms have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32079, simply click the "Get Multiple Quotes Now" button. Your 32079 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Penney Farms, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32079 Home Insurance Rating is: Very High!

If you live in 32079, you can easily save up to 40% off the average home insurance premium of $1630 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Penney Farms can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32079 today!

Get Multiple Home Insurance Rates in 32079!

32079 Home Insurance Average Premiums

Local 32079 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32079 lowest rates with discounts applied on average.

For the 32079, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32079?

  • • The average homeowners insurance premium paid annually for a home in 32079 is around $1630 per year.

What does it cost on average per month for home insurance in 32079?

  • • Homeowners in 32079 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 32079?

  • • Autoowners in 32079 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 Penney Farms area, check out other zip codes nearby 32079.
Review average rates in another zip code:
32079 homeowners insurance rates

Home Replacement Cost Coverage in 32079

Average Building Cost Per Square Foot in 32079: $167

Location: Penney Farms, Florida (Clay County)

Average Square Footage in 32079: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32079 before you start any project. Penney Farms 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 32079 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 32079 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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 Penney Farms 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32079 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 32079

Best Home & Auto Insurance Agencies in 32079

Housing Demographics for 32079

Population Review for 32079 Zip Code

For the city of Penney Farms, the population within 32079 has increased to over 0 residents in population size. The current population total is 517. We have broken down the population based on race below. In 32079, there are over 176 in male population and 341 females.

PopulationValues
Total Population517
White Population499
Black Population10
Hispanic Population10
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population176
Female Population341
Population Estimate0

Household Data for 32079

The average number of homes in 32079 is around 226, there are an average of 1.31 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode226
Persons Per Household1.31
Average House Value$165,000
Income Per Household$52500
Median Age85.4
Median Age Male85.3
Median Age Female85.7
32079 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code904
CityPenney Farms
City Alias NamePENNEY FARMS
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 Businesses7
Number Of Employees224
Business First Quarter Payroll1547
Business Annual Payroll6817
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 Residential0
Delivery Business0
Delivery Total3815
Preferred Last Line KeyY22686
Classification CodeP
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22686
Land Area0.452000
Water Area0.000000
City Alias Code
City Mixed CasePenney Farms
City Alias Mixed CasePenney Farms
Box Count417
SFDU0
MFDU0
State ANSI12
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number117395
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

  • 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 […]