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Check Out 32128 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Port Orange, FL.

We will gather some basic information about your home in Port Orange, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 32128 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 32128

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

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

32128 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 32128 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1634. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 32128 homeowners insurance policy!

32128 Home Insurance Average Premiums

Local 32128 homeowners insurance quotes comparison

$1384 /yr.

Shows Zip Code: 32128 lowest rates with discounts applied on average.

For the 32128, 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)
$1384 /yr.
Average Coverage:$1634 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1934 /yr.

What is the average home insurance cost for a home in 32128?

  • • The average homeowners insurance premium paid annually for a home in 32128 is around $1634 per year.

What does it cost on average per month for home insurance in 32128?

  • • Homeowners in 32128 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32128?

  • • Autoowners in 32128 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 Port Orange area, check out other zip codes nearby 32128.
Review average rates in another zip code:
32128 homeowners insurance rates
32129 homeowners insurance rates
32127 homeowners insurance rates

Home Replacement Cost Coverage in 32128

Average Building Cost Per Square Foot in 32128: $167

Location: Port Orange, Florida (Volusia County)

Average Square Footage in 32128: 1,816 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32128 before you start any project. Port Orange 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 32128 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 32128 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,816 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 Port Orange 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$1671,816$303,200
Additional Upgrades & Added Features$2091,816$379,000
Major Home Updates or Advancements$2511,816$454,800

It's important to understand that when you estimate your replacement cost of your home in the 32128 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 32128

Best Home & Auto Insurance Agencies in 32128

Housing Demographics for 32128

Population Review for 32128 Zip Code

For the city of Port Orange, the population within 32128 has increased to over 23,948 residents in population size. The current population total is 20,968. We have broken down the population based on race below. In 32128, there are over 10059 in male population and 10909 females.

PopulationValues
Total Population20,968
White Population17271
Black Population718
Hispanic Population1497
Asian Population890
Hawaiian Population5
Indian Population62
Other Population427
Male Population10059
Female Population10909
Population Estimate23948

Household Data for 32128

The average number of homes in 32128 is around 8,898, there are an average of 2.35 per household. The average house value according to local real estate values is around $303,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,898
Persons Per Household2.35
Average House Value$303,200
Income Per Household$82553
Median Age50.0
Median Age Male49.1
Median Age Female50.9
32128 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityPort Orange
City Alias NamePORT ORANGE
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 Businesses401
Number Of Employees2781
Business First Quarter Payroll25432
Business Annual Payroll112103
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|07
Congressional LandArea2506.92|513.58
Delivery Residential10191
Delivery Business297
Delivery Total12131
Preferred Last Line Key002601
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State Key002601
Land Area33.404000
Water Area0.287000
City Alias Code
City Mixed CasePort Orange
City Alias Mixed CasePort Orange
Box Count0
SFDU3145
MFDU1319
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117700
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 […]