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Home Insurance in 32176

One of the best ways to save money on your homeowners insurance policy in the 32176 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Ormond Beach, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 32176 zip code and you are ready to start saving on home insurance.

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Find Ormond Beach, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 32176

According to industry data, homeowners located in Ormond Beach pay roughly $1588 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 32176 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 32176 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 32176 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 32176.

Let us find you a great policy at an affordable price, get 32176 homeowners insurance quotes now.

32176 Home Insurance Average Premiums

Local 32176 homeowners insurance quotes comparison

$1338 /yr.

Shows Zip Code: 32176 lowest rates with discounts applied on average.

For the 32176, 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)
$1338 /yr.
Average Coverage:$1588 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1888 /yr.

What is the average home insurance cost for a home in 32176?

  • • The average homeowners insurance premium paid annually for a home in 32176 is around $1588 per year.

What does it cost on average per month for home insurance in 32176?

  • • Homeowners in 32176 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 32176?

  • • Autoowners in 32176 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 Ormond Beach area, check out other zip codes nearby 32176.
Review average rates in another zip code:
32174 homeowners insurance rates
32176 homeowners insurance rates

Home Replacement Cost Coverage in 32176

Average Building Cost Per Square Foot in 32176: $167

Location: Ormond Beach, Florida (Volusia County)

Average Square Footage in 32176: 1,629 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32176 before you start any project. Ormond 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 32176 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 32176 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,629 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 Ormond 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$1671,629$272,000
Additional Upgrades & Added Features$2091,629$340,000
Major Home Updates or Advancements$2511,629$408,000

It's important to understand that when you estimate your replacement cost of your home in the 32176 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 32176

Best Home & Auto Insurance Agencies in 32176

Housing Demographics for 32176

Population Review for 32176 Zip Code

For the city of Ormond Beach, the population within 32176 has increased to over 17,581 residents in population size. The current population total is 14,410. We have broken down the population based on race below. In 32176, there are over 6949 in male population and 7461 females.

PopulationValues
Total Population14,410
White Population13003
Black Population134
Hispanic Population727
Asian Population229
Hawaiian Population6
Indian Population49
Other Population182
Male Population6949
Female Population7461
Population Estimate17581

Household Data for 32176

The average number of homes in 32176 is around 7,369, there are an average of 1.96 per household. The average house value according to local real estate values is around $272,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,369
Persons Per Household1.96
Average House Value$272,000
Income Per Household$54958
Median Age59.4
Median Age Male58.9
Median Age Female59.9
32176 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityOrmond Beach
City Alias NameORMOND BEACH
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 Businesses399
Number Of Employees2963
Business First Quarter Payroll23649
Business Annual Payroll108820
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 Residential8970
Delivery Business391
Delivery Total9270
Preferred Last Line KeyY22615
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22615
Land Area5.692000
Water Area3.789000
City Alias Code
City Mixed CaseOrmond Beach
City Alias Mixed CaseOrmond Beach
Box Count0
SFDU6383
MFDU1883
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116950
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 […]