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Home Insurance Quotes in 32139

Are you shopping for a cheaper homeowners insurance rate in 32139? Our rates are very competitive for homeowners living in Georgetown, FL. Many homeowners located in the 32139 zip code 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 online quoting process is free to use and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32139. To get free 32139 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32139 zip code should appear in the zip code field ready to go. Shopping Georgetown, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32139 to review the best rate coverages.

Your 32139 Home Insurance Costs Is Rated: Very High!

For the great city of Georgetown, the average home insurance premium paid annually is around $1624 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Georgetown and need insurance on your home in the 32139 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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32139 Home Insurance Average Premiums

Local 32139 homeowners insurance quotes comparison

$1374 /yr.

Shows Zip Code: 32139 lowest rates with discounts applied on average.

For the 32139, 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)
$1374 /yr.
Average Coverage:$1624 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1924 /yr.

What is the average home insurance cost for a home in 32139?

  • • The average homeowners insurance premium paid annually for a home in 32139 is around $1624 per year.

What does it cost on average per month for home insurance in 32139?

  • • Homeowners in 32139 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32139?

  • • Autoowners in 32139 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 Georgetown area, check out other zip codes nearby 32139.
Review average rates in another zip code:
32139 homeowners insurance rates

Home Replacement Cost Coverage in 32139

Average Building Cost Per Square Foot in 32139: $167

Location: Georgetown, Florida (Putnam County)

Average Square Footage in 32139: 471 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32139 before you start any project. Georgetown 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 32139 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 32139 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 471 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 Georgetown 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$167471$78,600
Additional Upgrades & Added Features$209471$98,250
Major Home Updates or Advancements$251471$117,900

It's important to understand that when you estimate your replacement cost of your home in the 32139 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 32139

Best Home & Auto Insurance Agencies in 32139

Housing Demographics for 32139

Population Review for 32139 Zip Code

For the city of Georgetown, the population within 32139 has increased to over 1,574 residents in population size. The current population total is 1,399. We have broken down the population based on race below. In 32139, there are over 701 in male population and 698 females.

PopulationValues
Total Population1,399
White Population1016
Black Population42
Hispanic Population343
Asian Population13
Hawaiian Population2
Indian Population10
Other Population157
Male Population701
Female Population698
Population Estimate1574

Household Data for 32139

The average number of homes in 32139 is around 527, there are an average of 2.65 per household. The average house value according to local real estate values is around $78,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode527
Persons Per Household2.65
Average House Value$78,600
Income Per Household$52606
Median Age53.6
Median Age Male51.3
Median Age Female56.5
32139 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352/386
CityGeorgetown
City Alias NameGEORGETOWN
CountyPutnam
County FIPS107
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA300
CBSA37260
CBSA_DIV
CBSA_TypeMicro
CBSA_NamePalatka, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees14
Business First Quarter Payroll62
Business Annual Payroll252
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population74364
CBSA Division Population0
Congressional District06
Congressional LandArea2506.92
Delivery Residential594
Delivery Business11
Delivery Total805
Preferred Last Line KeyY21932
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY21932
Land Area12.618000
Water Area9.338000
City Alias Code
City Mixed CaseGeorgetown
City Alias Mixed CaseGeorgetown
Box Count182
SFDU561
MFDU1
State ANSI12
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number113300
Unique ZIP Name
SSA State County Code10530
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID54
County Mixed CasePutnam

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 […]