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Check Out 32193 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Welaka, FL.

We will gather some basic information about your home in Welaka, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 32193 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 32193

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Welaka, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

32193 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 32193 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1584. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 32193 homeowners insurance policy!

32193 Home Insurance Average Premiums

Local 32193 homeowners insurance quotes comparison

$1334 /yr.

Shows Zip Code: 32193 lowest rates with discounts applied on average.

For the 32193, 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)
$1334 /yr.
Average Coverage:$1584 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1884 /yr.

What is the average home insurance cost for a home in 32193?

  • • The average homeowners insurance premium paid annually for a home in 32193 is around $1584 per year.

What does it cost on average per month for home insurance in 32193?

  • • Homeowners in 32193 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 32193?

  • • Autoowners in 32193 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 Welaka area, check out other zip codes nearby 32193.
Review average rates in another zip code:
32193 homeowners insurance rates

Home Replacement Cost Coverage in 32193

Average Building Cost Per Square Foot in 32193: $167

Location: Welaka, Florida (Putnam County)

Average Square Footage in 32193: 1,243 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32193 before you start any project. Welaka 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 32193 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 32193 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,243 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 Welaka 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$1671,243$207,500
Additional Upgrades & Added Features$2091,243$259,375
Major Home Updates or Advancements$2511,243$311,250

It's important to understand that when you estimate your replacement cost of your home in the 32193 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 32193

Best Home & Auto Insurance Agencies in 32193

Housing Demographics for 32193

Population Review for 32193 Zip Code

For the city of Welaka, the population within 32193 has increased to over 894 residents in population size. The current population total is 983. We have broken down the population based on race below. In 32193, there are over 505 in male population and 478 females.

PopulationValues
Total Population983
White Population748
Black Population134
Hispanic Population64
Asian Population2
Hawaiian Population0
Indian Population6
Other Population30
Male Population505
Female Population478
Population Estimate894

Household Data for 32193

The average number of homes in 32193 is around 514, there are an average of 1.88 per household. The average house value according to local real estate values is around $207,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode514
Persons Per Household1.88
Average House Value$207,500
Income Per Household$44125
Median Age60.1
Median Age Male62.9
Median Age Female57.9
32193 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386/352
CityWelaka
City Alias NameWELAKA
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 Businesses25
Number Of Employees125
Business First Quarter Payroll769
Business Annual Payroll3817
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 Residential476
Delivery Business18
Delivery Total876
Preferred Last Line KeyY23209
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY23209
Land Area3.567000
Water Area0.843000
City Alias Code
City Mixed CaseWelaka
City Alias Mixed CaseWelaka
Box Count348
SFDU339
MFDU73
State ANSI12
County ANSI107
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119405
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]