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Homeowners Insurance coverage in 32110

If you are a homeowner in 32110 or Bunnell, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Bunnell.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32110.

Learn more about our homeowners insurance shopping service by selecting the best Bunnell, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32110?

Residents of Bunnell have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32110 zipcode, expect to pay around $1644 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Bunnell does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32110 Home Insurance Average Premiums

Local 32110 homeowners insurance quotes comparison

$1394 /yr.

Shows Zip Code: 32110 lowest rates with discounts applied on average.

For the 32110, 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)
$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1944 /yr.

What is the average home insurance cost for a home in 32110?

  • • The average homeowners insurance premium paid annually for a home in 32110 is around $1644 per year.

What does it cost on average per month for home insurance in 32110?

  • • Homeowners in 32110 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32110?

  • • Autoowners in 32110 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 Bunnell area, check out other zip codes nearby 32110.
Review average rates in another zip code:
32110 homeowners insurance rates

Home Replacement Cost Coverage in 32110

Average Building Cost Per Square Foot in 32110: $167

Location: Bunnell, Florida (Flagler County)

Average Square Footage in 32110: 812 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32110 before you start any project. Bunnell 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 32110 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 32110 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 812 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 Bunnell 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$167812$135,600
Additional Upgrades & Added Features$209812$169,500
Major Home Updates or Advancements$251812$203,400

It's important to understand that when you estimate your replacement cost of your home in the 32110 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 32110

Best Home & Auto Insurance Agencies in 32110

Housing Demographics for 32110

Population Review for 32110 Zip Code

For the city of Bunnell, the population within 32110 has increased to over 10,514 residents in population size. The current population total is 8,776. We have broken down the population based on race below. In 32110, there are over 4402 in male population and 4374 females.

PopulationValues
Total Population8,776
White Population6860
Black Population1042
Hispanic Population620
Asian Population57
Hawaiian Population1
Indian Population36
Other Population174
Male Population4402
Female Population4374
Population Estimate10514

Household Data for 32110

The average number of homes in 32110 is around 3,493, there are an average of 2.41 per household. The average house value according to local real estate values is around $135,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,493
Persons Per Household2.41
Average House Value$135,600
Income Per Household$40526
Median Age45.6
Median Age Male45.0
Median Age Female46.3
32110 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityBunnell
City Alias NameBUNNELL
CountyFlagler
County FIPS035
State FIPS12
Time Zone5
Day Light SavingY
MSA2020
PMSA
CSA422
CBSA19660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDeltona-Daytona Beach-Ormond Beach, FL
MSA_NameDaytona Beach, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses352
Number Of Employees2688
Business First Quarter Payroll25500
Business Annual Payroll112051
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population494593
CBSA Division Population0
Congressional District06
Congressional LandArea2506.92
Delivery Residential4363
Delivery Business576
Delivery Total5438
Preferred Last Line KeyY21522
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21522
Land Area296.250000
Water Area13.712000
City Alias Code
City Mixed CaseBunnell
City Alias Mixed CaseBunnell
Box Count535
SFDU3281
MFDU1
State ANSI12
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111200
Unique ZIP Name
SSA State County Code10170
Medicare CBSA Code19660
Medicare CBSA NameDeltona-Daytona Beach-Ormond Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID17
County Mixed CaseFlagler

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]