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32169, FL Homeowners Insurance Rates

With a population size of 10,621 and with 5,593 occupied homes in the 32169 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in New Smyrna Beach, FL are around $1,684 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that is the best place online to shop for home insurance rates in New Smyrna Beach, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in New Smyrna Beach, FL.

For Florida home insurance information, including average New Smyrna Beach home insurance rates, coverage options or the different homeowners insurance types, please select New Smyrna Beach, FL Home Insurance Quotes Now!

32169 Home Insurance Average Premiums

Local 32169 homeowners insurance quotes comparison

$1434 /yr.

Shows Zip Code: 32169 lowest rates with discounts applied on average.

For the 32169, 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)
$1434 /yr.
Average Coverage:$1684 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1984 /yr.

What is the average home insurance cost for a home in 32169?

  • • The average homeowners insurance premium paid annually for a home in 32169 is around $1684 per year.

What does it cost on average per month for home insurance in 32169?

  • • Homeowners in 32169 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 32169?

  • • Autoowners in 32169 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 New Smyrna Beach area, check out other zip codes nearby 32169.
Review average rates in another zip code:
32168 homeowners insurance rates
32169 homeowners insurance rates

Home Replacement Cost Coverage in 32169

Average Building Cost Per Square Foot in 32169: $167

Location: New Smyrna Beach, Florida (Volusia County)

Average Square Footage in 32169: 2,246 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32169 before you start any project. New Smyrna Beach 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 32169 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 32169 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,246 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 New Smyrna Beach 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$1672,246$375,000
Additional Upgrades & Added Features$2092,246$468,750
Major Home Updates or Advancements$2512,246$562,500

It's important to understand that when you estimate your replacement cost of your home in the 32169 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 32169

Best Home & Auto Insurance Agencies in 32169

Housing Demographics for 32169

Population Review for 32169 Zip Code

For the city of New Smyrna Beach, the population within 32169 has increased to over 19,792 residents in population size. The current population total is 10,621. We have broken down the population based on race below. In 32169, there are over 5078 in male population and 5543 females.

Total Population10,621
White Population9965
Black Population27
Hispanic Population378
Asian Population72
Hawaiian Population4
Indian Population17
Other Population63
Male Population5078
Female Population5543
Population Estimate19792

Household Data for 32169

The average number of homes in 32169 is around 5,593, there are an average of 1.87 per household. The average house value according to local real estate values is around $375,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,593
Persons Per Household1.87
Average House Value$375,000
Income Per Household$80503
Median Age63.2
Median Age Male63.1
Median Age Female63.3
32169 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationNEW SMYRNA
Area Code386
CityNew Smyrna Beach
County FIPS127
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameDeltona-Daytona Beach-Ormond Beach, FL
MSA_NameDaytona Beach, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses420
Number Of Employees3043
Business First Quarter Payroll21587
Business Annual Payroll103344
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 Residential10584
Delivery Business382
Delivery Total18245
Preferred Last Line KeyY22492
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22492
Land Area16.201000
Water Area14.126000
City Alias Code
City Mixed CaseNew Smyrna Beach
City Alias Mixed CaseNew Smyrna Beach
Box Count0
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116405
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’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 […]

  • 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: […]