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32087 Homeowners Insurance Quotes & Rates

Sanderson residents living within the 1,408 homes available in the zip code of 32087 are shopping online to compare cheaper and more affordable Sanderson, FL home insurance rates. In the great city of Sanderson, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,619 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32087 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32087 home insurance rates today! Please give us a call now at 1-888-685-4704. For Sanderson, FL Homeowners Insurance Quotes, Click to easily get started!

32087 Home Insurance Average Premiums

Local 32087 homeowners insurance quotes comparison

$1369 /yr.

Shows Zip Code: 32087 lowest rates with discounts applied on average.

For the 32087, 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)
$1369 /yr.
Average Coverage:$1619 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1919 /yr.

What is the average home insurance cost for a home in 32087?

  • • The average homeowners insurance premium paid annually for a home in 32087 is around $1619 per year.

What does it cost on average per month for home insurance in 32087?

  • • Homeowners in 32087 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 32087?

  • • Autoowners in 32087 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 Sanderson area, check out other zip codes nearby 32087.
Review average rates in another zip code:
32087 homeowners insurance rates

Home Replacement Cost Coverage in 32087

Average Building Cost Per Square Foot in 32087: $167

Location: Sanderson, Florida (Baker County)

Average Square Footage in 32087: 799 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32087 before you start any project. Sanderson 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 32087 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 32087 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 799 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 Sanderson 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$167799$133,500
Additional Upgrades & Added Features$209799$166,875
Major Home Updates or Advancements$251799$200,250

It's important to understand that when you estimate your replacement cost of your home in the 32087 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 32087

Best Home & Auto Insurance Agencies in 32087

Housing Demographics for 32087

Population Review for 32087 Zip Code

For the city of Sanderson, the population within 32087 has increased to over 4,092 residents in population size. The current population total is 5,507. We have broken down the population based on race below. In 32087, there are over 3562 in male population and 1945 females.

PopulationValues
Total Population5,507
White Population3552
Black Population1655
Hispanic Population116
Asian Population15
Hawaiian Population3
Indian Population34
Other Population43
Male Population3562
Female Population1945
Population Estimate4092

Household Data for 32087

The average number of homes in 32087 is around 1,408, there are an average of 2.83 per household. The average house value according to local real estate values is around $133,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,408
Persons Per Household2.83
Average House Value$133,500
Income Per Household$69375
Median Age37.8
Median Age Male37.8
Median Age Female38.1
32087 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CitySanderson
City Alias NameSANDERSON
CountyBaker
County FIPS003
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses33
Number Of Employees326
Business First Quarter Payroll3447
Business Annual Payroll14887
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 District03
Congressional LandArea7306.05
Delivery Residential1446
Delivery Business35
Delivery Total7095
Preferred Last Line KeyY22849
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22849
Land Area159.447000
Water Area0.775000
City Alias Code
City Mixed CaseSanderson
City Alias Mixed CaseSanderson
Box Count249
SFDU1410
MFDU0
State ANSI12
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number118340
Unique ZIP Name
SSA State County Code10010
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseBaker

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 […]