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If you live in the 32114 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Daytona Beach have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32114 and then compare quotes from a variety of nationwide insurance companies.

32114 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32114 the average premium for homeowners coverage is $1594 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32114. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 32114 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Daytona Beach, FL home insurance quotes in your area.

32114 Home Insurance Average Premiums

Local 32114 homeowners insurance quotes comparison

$1344 /yr.

Shows Zip Code: 32114 lowest rates with discounts applied on average.

For the 32114, 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)
$1344 /yr.
Average Coverage:$1594 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1894 /yr.

What is the average home insurance cost for a home in 32114?

  • • The average homeowners insurance premium paid annually for a home in 32114 is around $1594 per year.

What does it cost on average per month for home insurance in 32114?

  • • Homeowners in 32114 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32114?

  • • Autoowners in 32114 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 Daytona Beach area, check out other zip codes nearby 32114.
Review average rates in another zip code:
32117 homeowners insurance rates
32119 homeowners insurance rates
32118 homeowners insurance rates
32114 homeowners insurance rates
32124 homeowners insurance rates

Home Replacement Cost Coverage in 32114

Average Building Cost Per Square Foot in 32114: $167

Location: Daytona Beach, Florida (Volusia County)

Average Square Footage in 32114: 817 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32114 before you start any project. Daytona Beach 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 32114 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 32114 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 817 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 Daytona Beach 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$167817$136,500
Additional Upgrades & Added Features$209817$170,625
Major Home Updates or Advancements$251817$204,750

It's important to understand that when you estimate your replacement cost of your home in the 32114 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 32114

Brown & Brown Inc

Address: PO Box 2412 Daytona Beach, FL 32114
Phone: (386)252-9601
Website: www.brown-n-brown.com

Brown & Brown Insurance

Address: 220 S Ridgewood Ave Daytona Beach, FL 32114
Phone: (904)252-9601
Website:

Best Home & Auto Insurance Agencies in 32114

A Aaction Insurance of Daytona

Address: 887 W International Speedway Blvd Daytona Beach, FL 32114
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 220 S Ridgewood Ave Daytona Beach, FL 32114
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 32114

Population Review for 32114 Zip Code

For the city of Daytona Beach, the population within 32114 has increased to over 31,866 residents in population size. The current population total is 34,943. We have broken down the population based on race below. In 32114, there are over 17577 in male population and 17366 females.

PopulationValues
Total Population34,943
White Population14646
Black Population15443
Hispanic Population3542
Asian Population741
Hawaiian Population26
Indian Population126
Other Population1348
Male Population17577
Female Population17366
Population Estimate31866

Household Data for 32114

The average number of homes in 32114 is around 13,713, there are an average of 2.14 per household. The average house value according to local real estate values is around $136,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,713
Persons Per Household2.14
Average House Value$136,500
Income Per Household$36034
Median Age32.2
Median Age Male30.2
Median Age Female34.8
32114 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityDaytona Beach
City Alias NameDAYTONA BEACH
CountyVolusia
County FIPS127
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 Businesses1395
Number Of Employees31625
Business First Quarter Payroll486762
Business Annual Payroll1779884
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 Residential14891
Delivery Business1781
Delivery Total17209
Preferred Last Line KeyY21688
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21688
Land Area15.997000
Water Area0.824000
City Alias Code
City Mixed CaseDaytona Beach
City Alias Mixed CaseDaytona Beach
Box Count0
SFDU6227
MFDU5420
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112100
Unique ZIP Name
SSA State County Code10630
Medicare CBSA Code19660
Medicare CBSA NameDeltona-Daytona Beach-Ormond Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID64
County Mixed CaseVolusia

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 […]