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32092 Home Insurance Rates & Premiums

Did you know there are over 43,691 people living within the 32092 zip code area? There are over 14,881 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 32092.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,655 a year for a standard homeowners insurance policy in Saint Augustine. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Saint Augustine, FL Homeowners Insurance Quotes Online

32092 Home Insurance Average Premiums

Local 32092 homeowners insurance quotes comparison

$1405 /yr.

Shows Zip Code: 32092 lowest rates with discounts applied on average.

For the 32092, 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)
$1405 /yr.
Average Coverage:$1655 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1955 /yr.

What is the average home insurance cost for a home in 32092?

  • • The average homeowners insurance premium paid annually for a home in 32092 is around $1655 per year.

What does it cost on average per month for home insurance in 32092?

  • • Homeowners in 32092 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32092?

  • • Autoowners in 32092 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 32092.
Review average rates in another zip code:
32092 homeowners insurance rates
32084 homeowners insurance rates
32080 homeowners insurance rates
32095 homeowners insurance rates
32086 homeowners insurance rates

Home Replacement Cost Coverage in 32092

Average Building Cost Per Square Foot in 32092: $167

Location: Saint Augustine, Florida (Saint Johns County)

Average Square Footage in 32092: 2,007 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32092 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 32092 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 32092 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,007 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$1672,007$335,100
Additional Upgrades & Added Features$2092,007$418,875
Major Home Updates or Advancements$2512,007$502,650

It's important to understand that when you estimate your replacement cost of your home in the 32092 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 32092

Best Home & Auto Insurance Agencies in 32092

Allstate Insurance Companies

Address: 2730 SR-16 St Augustine, FL 32092

Allstate Insurance - Robert L Valentine

Address: 425 W Town Pl St Augustine, FL 32092

Housing Demographics for 32092

Population Review for 32092 Zip Code

For the city of Saint Augustine, the population within 32092 has increased to over 60,300 residents in population size. The current population total is 43,691. We have broken down the population based on race below. In 32092, there are over 21265 in male population and 22426 females.

Total Population43,691
White Population34105
Black Population2004
Hispanic Population4697
Asian Population1691
Hawaiian Population36
Indian Population129
Other Population1054
Male Population21265
Female Population22426
Population Estimate60300

Household Data for 32092

The average number of homes in 32092 is around 14,881, there are an average of 2.92 per household. The average house value according to local real estate values is around $335,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,881
Persons Per Household2.92
Average House Value$335,100
Income Per Household$91116
Median Age39.8
Median Age Male39.5
Median Age Female40.0
32092 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 Businesses919
Number Of Employees7426
Business First Quarter Payroll81462
Business Annual Payroll374168
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 Residential20651
Delivery Business533
Delivery Total21517
Preferred Last Line KeyY22827
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22827
Land Area124.052000
Water Area24.544000
City Alias Code
City Mixed CaseSaint Augustine
City Alias Mixed CaseSaint Augustine
Box Count0
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 […]