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Compare 32091 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 32091 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,627/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 32091 zip code, the population size is around 17,806 with 6,013 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 32091.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Starke, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

32091 Home Insurance Average Premiums

Local 32091 homeowners insurance quotes comparison

$1377 /yr.

Shows Zip Code: 32091 lowest rates with discounts applied on average.

For the 32091, 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)
$1377 /yr.
Average Coverage:$1627 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1927 /yr.

What is the average home insurance cost for a home in 32091?

  • • The average homeowners insurance premium paid annually for a home in 32091 is around $1627 per year.

What does it cost on average per month for home insurance in 32091?

  • • Homeowners in 32091 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 32091?

  • • Autoowners in 32091 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 Starke area, check out other zip codes nearby 32091.
Review average rates in another zip code:
32091 homeowners insurance rates

Home Replacement Cost Coverage in 32091

Average Building Cost Per Square Foot in 32091: $167

Location: Starke, Florida (Bradford County)

Average Square Footage in 32091: 657 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32091 before you start any project. Starke 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 32091 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 32091 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 657 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 Starke 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$167657$109,800
Additional Upgrades & Added Features$209657$137,250
Major Home Updates or Advancements$251657$164,700

It's important to understand that when you estimate your replacement cost of your home in the 32091 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 32091

Best Home & Auto Insurance Agencies in 32091

A Aabsolute Auto Insurance World

Address: 215 W Washington St Starke, FL 32091

Auto Insurance World

Address: 353 N Temple Ave Starke, FL 32091

Housing Demographics for 32091

Population Review for 32091 Zip Code

For the city of Starke, the population within 32091 has increased to over 16,707 residents in population size. The current population total is 17,806. We have broken down the population based on race below. In 32091, there are over 9712 in male population and 8094 females.

Total Population17,806
White Population12751
Black Population3792
Hispanic Population887
Asian Population104
Hawaiian Population13
Indian Population59
Other Population302
Male Population9712
Female Population8094
Population Estimate16707

Household Data for 32091

The average number of homes in 32091 is around 6,013, there are an average of 2.55 per household. The average house value according to local real estate values is around $109,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,013
Persons Per Household2.55
Average House Value$109,800
Income Per Household$48175
Median Age39.8
Median Age Male38.2
Median Age Female42.5
32091 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904/386
City Alias NameSTARKE
County FIPS007
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses346
Number Of Employees3914
Business First Quarter Payroll33120
Business Annual Payroll142185
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03|04
Congressional LandArea7306.05|1875.97
Delivery Residential6552
Delivery Business485
Delivery Total7618
Preferred Last Line KeyY23016
Classification Code
CSA Name
City State KeyY23016
Land Area152.072000
Water Area8.059000
City Alias Code
City Mixed CaseStarke
City Alias Mixed CaseStarke
Box Count430
State ANSI12
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118715
Unique ZIP Name
SSA State County Code10030
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseBradford

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 […]