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32159 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 32159? There are over 16,259 occupied homes in the 32159 area. With a population size of 30,455, it's not uncommon for residence of Lady Lake, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,639 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 32159 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lady Lake, FL Home Insurance Rate Quotes

32159 Home Insurance Average Premiums

Local 32159 homeowners insurance quotes comparison

$1389 /yr.

Shows Zip Code: 32159 lowest rates with discounts applied on average.

For the 32159, 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)
$1389 /yr.
Average Coverage:$1639 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1939 /yr.

What is the average home insurance cost for a home in 32159?

  • • The average homeowners insurance premium paid annually for a home in 32159 is around $1639 per year.

What does it cost on average per month for home insurance in 32159?

  • • Homeowners in 32159 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32159?

  • • Autoowners in 32159 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 Lady Lake area, check out other zip codes nearby 32159.
Review average rates in another zip code:
32159 homeowners insurance rates

Home Replacement Cost Coverage in 32159

Average Building Cost Per Square Foot in 32159: $167

Location: Lady Lake, Florida (Lake County)

Average Square Footage in 32159: 1,286 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32159 before you start any project. Lady Lake 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 32159 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 32159 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,286 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 Lady Lake 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$1671,286$214,700
Additional Upgrades & Added Features$2091,286$268,375
Major Home Updates or Advancements$2511,286$322,050

It's important to understand that when you estimate your replacement cost of your home in the 32159 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 32159

Best Home & Auto Insurance Agencies in 32159

Allstate Insurance Companies

Address: 416 Teague Trl Lady Lake, FL 32159
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 32159

Population Review for 32159 Zip Code

For the city of Lady Lake, the population within 32159 has increased to over 34,003 residents in population size. The current population total is 30,455. We have broken down the population based on race below. In 32159, there are over 14000 in male population and 16455 females.

PopulationValues
Total Population30,455
White Population26652
Black Population1105
Hispanic Population1969
Asian Population450
Hawaiian Population8
Indian Population59
Other Population668
Male Population14000
Female Population16455
Population Estimate34003

Household Data for 32159

The average number of homes in 32159 is around 16,259, there are an average of 1.85 per household. The average house value according to local real estate values is around $214,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,259
Persons Per Household1.85
Average House Value$214,700
Income Per Household$49198
Median Age69.1
Median Age Male68.8
Median Age Female69.3
32159 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityLady Lake
City Alias NameLADY LAKE
CountyLake
County FIPS069
State FIPS12
Time Zone5
Day Light SavingY
MSA5960
PMSA
CSA422
CBSA36740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses686
Number Of Employees9777
Business First Quarter Payroll86286
Business Annual Payroll385198
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2134411
CBSA Division Population0
Congressional District06|11
Congressional LandArea2506.92|2509.88
Delivery Residential18380
Delivery Business729
Delivery Total18746
Preferred Last Line KeyY22184
Classification Code
Multi-CountyY
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22184
Land Area30.219000
Water Area4.448000
City Alias Code
City Mixed CaseLady Lake
City Alias Mixed CaseLady Lake
Box Count0
SFDU2800
MFDU13476
State ANSI12
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number114770
Unique ZIP Name
SSA State County Code10340
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID34
County Mixed CaseLake

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 […]