Get multiple home insurance quotes in 32181. Our licensed 32181, FL agents are ready to serve you.

Find the Best Home Insurance Rates in 32181

Shopping for homeowners insurance in 32181 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Pomona Park, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32181 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 32181

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

32181 Home Insurance Rating is: very high!

In 32181 the average premium is $1622. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 32181, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32181!

32181 Home Insurance Average Premiums

Local 32181 homeowners insurance quotes comparison

$1372 /yr.

Shows Zip Code: 32181 lowest rates with discounts applied on average.

For the 32181, 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)
$1372 /yr.
Average Coverage:$1622 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1922 /yr.

What is the average home insurance cost for a home in 32181?

  • • The average homeowners insurance premium paid annually for a home in 32181 is around $1622 per year.

What does it cost on average per month for home insurance in 32181?

  • • Homeowners in 32181 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 32181?

  • • Autoowners in 32181 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 Pomona Park area, check out other zip codes nearby 32181.
Review average rates in another zip code:
32181 homeowners insurance rates

Home Replacement Cost Coverage in 32181

Average Building Cost Per Square Foot in 32181: $167

Location: Pomona Park, Florida (Putnam County)

Average Square Footage in 32181: 528 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32181 before you start any project. Pomona Park 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 32181 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 32181 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 528 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 Pomona Park 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$167528$88,100
Additional Upgrades & Added Features$209528$110,125
Major Home Updates or Advancements$251528$132,150

It's important to understand that when you estimate your replacement cost of your home in the 32181 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 32181

Best Home & Auto Insurance Agencies in 32181

Housing Demographics for 32181

Population Review for 32181 Zip Code

For the city of Pomona Park, the population within 32181 has increased to over 2,783 residents in population size. The current population total is 2,259. We have broken down the population based on race below. In 32181, there are over 1056 in male population and 1203 females.

PopulationValues
Total Population2,259
White Population1681
Black Population115
Hispanic Population388
Asian Population10
Hawaiian Population0
Indian Population15
Other Population177
Male Population1056
Female Population1203
Population Estimate2783

Household Data for 32181

The average number of homes in 32181 is around 897, there are an average of 2.51 per household. The average house value according to local real estate values is around $88,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode897
Persons Per Household2.51
Average House Value$88,100
Income Per Household$37898
Median Age47.8
Median Age Male45.6
Median Age Female49.0
32181 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386/352
CityPomona Park
City Alias NamePOMONA PARK
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 Businesses40
Number Of Employees145
Business First Quarter Payroll766
Business Annual Payroll3378
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 Residential1109
Delivery Business16
Delivery Total1598
Preferred Last Line KeyY22724
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22724
Land Area25.529000
Water Area1.939000
City Alias Code
City Mixed CasePomona Park
City Alias Mixed CasePomona Park
Box Count285
SFDU1109
MFDU0
State ANSI12
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number117620
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

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    Man thinking about prices on real estate, car, phone, good. Man can’t afford to buy things. High cost of living. Finance troubles. Vector illustration in cartoon style. According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • 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. […]