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Compare 32095 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Saint Augustine just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 5,765 neighbors looking to save on their home insurance policy in the local 32095 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32095. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Saint Augustine, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Saint Augustine, FL

32095 Home Insurance Average Premiums

Local 32095 homeowners insurance quotes comparison

$1444 /yr.

Shows Zip Code: 32095 lowest rates with discounts applied on average.

For the 32095, 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)
$1444 /yr.
Average Coverage:$1694 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1994 /yr.

What is the average home insurance cost for a home in 32095?

  • • The average homeowners insurance premium paid annually for a home in 32095 is around $1694 per year.

What does it cost on average per month for home insurance in 32095?

  • • Homeowners in 32095 pay a monthly average cost per month around $141.00.

What kind of discount could I get if I combine my home and auto insurance together in 32095?

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

Home Replacement Cost Coverage in 32095

Average Building Cost Per Square Foot in 32095: $167

Location: Saint Augustine, Florida (Saint Johns County)

Average Square Footage in 32095: 2,259 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32095 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 32095 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 32095 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,259 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$1672,259$377,300
Additional Upgrades & Added Features$2092,259$471,625
Major Home Updates or Advancements$2512,259$565,950

It's important to understand that when you estimate your replacement cost of your home in the 32095 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 32095

Best Home & Auto Insurance Agencies in 32095

Housing Demographics for 32095

Population Review for 32095 Zip Code

For the city of Saint Augustine, the population within 32095 has increased to over 24,721 residents in population size. The current population total is 16,607. We have broken down the population based on race below. In 32095, there are over 8413 in male population and 8194 females.

PopulationValues
Total Population16,607
White Population13049
Black Population826
Hispanic Population1544
Asian Population716
Hawaiian Population0
Indian Population66
Other Population334
Male Population8413
Female Population8194
Population Estimate24721

Household Data for 32095

The average number of homes in 32095 is around 5,765, there are an average of 2.80 per household. The average house value according to local real estate values is around $377,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,765
Persons Per Household2.80
Average House Value$377,300
Income Per Household$92941
Median Age41.9
Median Age Male41.8
Median Age Female42.1
32095 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationST AUGUSTINE
Area Code904
CitySaint Augustine
City Alias NameSAINT AUGUSTINE
CountySaint Johns
County FIPS109
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 Businesses493
Number Of Employees4049
Business First Quarter Payroll44131
Business Annual Payroll182660
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
Congressional LandArea1355.03
Delivery Residential8829
Delivery Business466
Delivery Total9060
Preferred Last Line KeyY22827
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22827
Land Area57.387000
Water Area3.453000
City Alias Code
City Mixed CaseSaint Augustine
City Alias Mixed CaseSaint Augustine
Box Count0
SFDU3308
MFDU157
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

  • 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 […]