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Homeowners Insurance in 32080

In Saint Augustine, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 32080 zip code have found it very easy to shop with When you start our quoting process, we will 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 the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 32080 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32080 should appear in the zip code field ready to go.

32080 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1618. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Saint Augustine home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 32080 Home Insurance Rates Now!

Best 3 Options to Compare in 32080

If you want homeowners insurance quotes within the city of Saint Augustine or in the 32080 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Saint Augustine, FL.

32080 Home Insurance Average Premiums

Local 32080 homeowners insurance quotes comparison

$1368 /yr.

Shows Zip Code: 32080 lowest rates with discounts applied on average.

For the 32080, 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)
$1368 /yr.
Average Coverage:$1618 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1918 /yr.

What is the average home insurance cost for a home in 32080?

  • • The average homeowners insurance premium paid annually for a home in 32080 is around $1618 per year.

What does it cost on average per month for home insurance in 32080?

  • • Homeowners in 32080 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32080?

  • • Autoowners in 32080 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 Saint Augustine area, check out other zip codes nearby 32080.
Review average rates in another zip code:
32084 homeowners insurance rates
32080 homeowners insurance rates
32086 homeowners insurance rates
32095 homeowners insurance rates
32092 homeowners insurance rates

Home Replacement Cost Coverage in 32080

Average Building Cost Per Square Foot in 32080: $167

Location: Saint Augustine, Florida (Saint Johns County)

Average Square Footage in 32080: 2,397 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32080 before you start any project. Saint Augustine 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 32080 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 32080 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,397 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 Saint Augustine 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$1672,397$400,300
Additional Upgrades & Added Features$2092,397$500,375
Major Home Updates or Advancements$2512,397$600,450

It's important to understand that when you estimate your replacement cost of your home in the 32080 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 32080

Best Home & Auto Insurance Agencies in 32080

Accord Insurance Network

Address: 6225 A1a S St Augustine, FL 32080

Housing Demographics for 32080

Population Review for 32080 Zip Code

For the city of Saint Augustine, the population within 32080 has increased to over 28,589 residents in population size. The current population total is 21,889. We have broken down the population based on race below. In 32080, there are over 10396 in male population and 11493 females.

Total Population21,889
White Population19736
Black Population197
Hispanic Population1151
Asian Population301
Hawaiian Population11
Indian Population46
Other Population235
Male Population10396
Female Population11493
Population Estimate28589

Household Data for 32080

The average number of homes in 32080 is around 10,640, there are an average of 2.05 per household. The average house value according to local real estate values is around $400,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,640
Persons Per Household2.05
Average House Value$400,300
Income Per Household$82231
Median Age57.6
Median Age Male56.5
Median Age Female58.5
32080 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationST AUGUSTINE
Area Code904
CitySaint Augustine
CountySaint Johns
County FIPS109
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses775
Number Of Employees5560
Business First Quarter Payroll46512
Business Annual Payroll213815
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 District05|06
Congressional LandArea1355.03|2506.92
Delivery Residential13946
Delivery Business677
Delivery Total14641
Preferred Last Line KeyY22827
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22827
Land Area15.727000
Water Area9.142000
City Alias Code
City Mixed CaseSaint Augustine
City Alias Mixed CaseSaint Augustine
Box Count143
State ANSI12
County ANSI109
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118145
Unique ZIP Name
SSA State County Code10540
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID58
County Mixed CaseSaint Johns

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 […]