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32113 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32113 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Citra, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32113.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32113 and start shopping.

Quickly and Easily Compare Average Rates for 32113

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Citra, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32113

Homeowners in Citra are paying roughly $1641 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32113 Home Insurance Average Premiums

Local 32113 homeowners insurance quotes comparison

$1391 /yr.

Shows Zip Code: 32113 lowest rates with discounts applied on average.

For the 32113, 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)
$1391 /yr.
Average Coverage:$1641 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1941 /yr.

What is the average home insurance cost for a home in 32113?

  • • The average homeowners insurance premium paid annually for a home in 32113 is around $1641 per year.

What does it cost on average per month for home insurance in 32113?

  • • Homeowners in 32113 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 32113?

  • • Autoowners in 32113 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 Citra area, check out other zip codes nearby 32113.
Review average rates in another zip code:
32113 homeowners insurance rates

Home Replacement Cost Coverage in 32113

Average Building Cost Per Square Foot in 32113: $167

Location: Citra, Florida (Marion County)

Average Square Footage in 32113: 608 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32113 before you start any project. Citra 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 32113 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 32113 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 608 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 Citra 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$167608$101,500
Additional Upgrades & Added Features$209608$126,875
Major Home Updates or Advancements$251608$152,250

It's important to understand that when you estimate your replacement cost of your home in the 32113 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 32113

Best Home & Auto Insurance Agencies in 32113

Housing Demographics for 32113

Population Review for 32113 Zip Code

For the city of Citra, the population within 32113 has increased to over 6,627 residents in population size. The current population total is 6,396. We have broken down the population based on race below. In 32113, there are over 3215 in male population and 3181 females.

PopulationValues
Total Population6,396
White Population4866
Black Population795
Hispanic Population546
Asian Population20
Hawaiian Population0
Indian Population24
Other Population193
Male Population3215
Female Population3181
Population Estimate6627

Household Data for 32113

The average number of homes in 32113 is around 2,639, there are an average of 2.41 per household. The average house value according to local real estate values is around $101,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,639
Persons Per Household2.41
Average House Value$101,500
Income Per Household$38526
Median Age49.2
Median Age Male47.5
Median Age Female50.5
32113 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityCitra
City Alias NameCITRA
CountyMarion
County FIPS083
State FIPS12
Time Zone5
Day Light SavingY
MSA5790
PMSA
CSA
CBSA36100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOcala, FL
MSA_NameOcala, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses71
Number Of Employees414
Business First Quarter Payroll3469
Business Annual Payroll15105
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population331298
CBSA Division Population0
Congressional District03|06
Congressional LandArea7306.05|2506.92
Delivery Residential2750
Delivery Business70
Delivery Total3687
Preferred Last Line KeyY21583
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21583
Land Area85.538000
Water Area3.161000
City Alias Code
City Mixed CaseCitra
City Alias Mixed CaseCitra
Box Count395
SFDU1986
MFDU0
State ANSI12
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number111605
Unique ZIP Name
SSA State County Code10410
Medicare CBSA Code36100
Medicare CBSA NameOcala, FL
Medicare CBSA TypeMetro
Market Rating Area ID41
County Mixed CaseMarion

Florida Homeowners Insurance News & Information

  • 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: […]

  • 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 […]