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Home Insurance in 32132

Our rates are very competitive for homeowners living in the 32132 zip code. Many homeowners based out of Edgewater, FL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our FL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32132 should appear in the zip code field ready to go.

32132 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Edgewater area? The average homeowners premium in 32132 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32132, you can expect to pay around $1637 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 32132 Today!

Get Home Insurance Quotes in 32132

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32132 home insurance shopping today!

  1. Edgewater, FL Home Insurance Quotes

32132 Home Insurance Average Premiums

Local 32132 homeowners insurance quotes comparison

$1387 /yr.

Shows Zip Code: 32132 lowest rates with discounts applied on average.

For the 32132, 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)
$1387 /yr.
Average Coverage:$1637 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1937 /yr.

What is the average home insurance cost for a home in 32132?

  • • The average homeowners insurance premium paid annually for a home in 32132 is around $1637 per year.

What does it cost on average per month for home insurance in 32132?

  • • Homeowners in 32132 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 32132?

  • • Autoowners in 32132 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 Edgewater area, check out other zip codes nearby 32132.
Review average rates in another zip code:
32132 homeowners insurance rates
32141 homeowners insurance rates

Home Replacement Cost Coverage in 32132

Average Building Cost Per Square Foot in 32132: $167

Location: Edgewater, Florida (Volusia County)

Average Square Footage in 32132: 1,092 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32132 before you start any project. Edgewater 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 32132 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 32132 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,092 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 Edgewater 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$1671,092$182,300
Additional Upgrades & Added Features$2091,092$227,875
Major Home Updates or Advancements$2511,092$273,450

It's important to understand that when you estimate your replacement cost of your home in the 32132 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 32132

Best Home & Auto Insurance Agencies in 32132

Allstate Insurance Companies

Address: 1830 Orange Tree Dr Edgewater, FL 32132
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 32132

Population Review for 32132 Zip Code

For the city of Edgewater, the population within 32132 has increased to over 7,892 residents in population size. The current population total is 8,189. We have broken down the population based on race below. In 32132, there are over 4178 in male population and 4011 females.

PopulationValues
Total Population8,189
White Population7320
Black Population285
Hispanic Population364
Asian Population53
Hawaiian Population0
Indian Population33
Other Population104
Male Population4178
Female Population4011
Population Estimate7892

Household Data for 32132

The average number of homes in 32132 is around 3,535, there are an average of 2.14 per household. The average house value according to local real estate values is around $182,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,535
Persons Per Household2.14
Average House Value$182,300
Income Per Household$43709
Median Age51.6
Median Age Male49.4
Median Age Female54.5
32132 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityEdgewater
City Alias NameEDGEWATER
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 Businesses257
Number Of Employees2058
Business First Quarter Payroll17428
Business Annual Payroll73930
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 District07
Congressional LandArea513.58
Delivery Residential3688
Delivery Business416
Delivery Total4377
Preferred Last Line KeyY21785
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21785
Land Area7.025000
Water Area0.298000
City Alias Code
City Mixed CaseEdgewater
City Alias Mixed CaseEdgewater
Box Count280
SFDU2914
MFDU89
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112565
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

  • 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 […]