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Homeowners Insurance in 32137

For homeowners living in 32137, you want more affordable home insurance rates in Palm Coast, right? Our rates are very competitive for homeowners living in the great city of Palm Coast, FL. Many homeowners living in the 32137 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 32137 should appear in the zip code field ready to go. Comparing Palm Coast, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

32137 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Palm Coast pay around $1580 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 32137 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Palm Coast homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

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32137 Home Insurance Average Premiums

Local 32137 homeowners insurance quotes comparison

$1330 /yr.

Shows Zip Code: 32137 lowest rates with discounts applied on average.

For the 32137, 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)
$1330 /yr.
Average Coverage:$1580 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1880 /yr.

What is the average home insurance cost for a home in 32137?

  • • The average homeowners insurance premium paid annually for a home in 32137 is around $1580 per year.

What does it cost on average per month for home insurance in 32137?

  • • Homeowners in 32137 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32137?

  • • Autoowners in 32137 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 Palm Coast area, check out other zip codes nearby 32137.
Review average rates in another zip code:
32137 homeowners insurance rates
32164 homeowners insurance rates

Home Replacement Cost Coverage in 32137

Average Building Cost Per Square Foot in 32137: $167

Location: Palm Coast, Florida (Flagler County)

Average Square Footage in 32137: 1,620 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32137 before you start any project. Palm Coast 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 32137 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 32137 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,620 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 Palm Coast 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$1671,620$270,600
Additional Upgrades & Added Features$2091,620$338,250
Major Home Updates or Advancements$2511,620$405,900

It's important to understand that when you estimate your replacement cost of your home in the 32137 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 32137

Best Home & Auto Insurance Agencies in 32137

Great Florida Insurance

Address: 1490 Palm Coast Pky NW Palm Coast, FL 32137
Phone:
Website: http://www.greatflorida.com/
Info:

Allstate Insurance - Steven Brown

Address: 268 Palm Coast Pky NE Palm Coast, FL 32137
Phone:
Website:
Info:

Bexley- William G

Address: 5 Boulder Rock Dr Palm Coast, FL 32137
Phone:
Website:
Info:

Allstate Insurance - Robert Conser

Address: 21 Old Kings Rd N Palm Coast, FL 32137
Phone:
Website:
Info:

Housing Demographics for 32137

Population Review for 32137 Zip Code

For the city of Palm Coast, the population within 32137 has increased to over 56,547 residents in population size. The current population total is 46,258. We have broken down the population based on race below. In 32137, there are over 22149 in male population and 24109 females.

PopulationValues
Total Population46,258
White Population36039
Black Population3443
Hispanic Population4949
Asian Population1136
Hawaiian Population30
Indian Population151
Other Population1313
Male Population22149
Female Population24109
Population Estimate56547

Household Data for 32137

The average number of homes in 32137 is around 19,945, there are an average of 2.30 per household. The average house value according to local real estate values is around $270,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,945
Persons Per Household2.30
Average House Value$270,600
Income Per Household$66902
Median Age57.6
Median Age Male56.8
Median Age Female58.1
32137 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias Abbreviation
Area Code386
CityPalm Coast
City Alias NamePALM COAST
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 Businesses1150
Number Of Employees8461
Business First Quarter Payroll74284
Business Annual Payroll347261
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 Residential24586
Delivery Business988
Delivery Total26159
Preferred Last Line KeyY22644
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22644
Land Area62.411000
Water Area5.738000
City Alias Code
City Mixed CasePalm Coast
City Alias Mixed CasePalm Coast
Box Count0
SFDU18831
MFDU1464
State ANSI12
County ANSI035
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number112910
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 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 […]