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Homeowners Insurance in 32195

Getting the most affordable home insurance rates in 32195 just got easier for Weirsdale, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Weirsdale. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Weirsdale, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32195

When discussing Florida homeowners insurance rates, Weirsdale residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32195 zipcode are currently paying $1652 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Weirsdale does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32195 Home Insurance Average Premiums

Local 32195 homeowners insurance quotes comparison

$1402 /yr.

Shows Zip Code: 32195 lowest rates with discounts applied on average.

For the 32195, 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)
$1402 /yr.
Average Coverage:$1652 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1952 /yr.

What is the average home insurance cost for a home in 32195?

  • • The average homeowners insurance premium paid annually for a home in 32195 is around $1652 per year.

What does it cost on average per month for home insurance in 32195?

  • • Homeowners in 32195 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32195?

  • • Autoowners in 32195 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 Weirsdale area, check out other zip codes nearby 32195.
Review average rates in another zip code:
32195 homeowners insurance rates

Home Replacement Cost Coverage in 32195

Average Building Cost Per Square Foot in 32195: $167

Location: Weirsdale, Florida (Marion County)

Average Square Footage in 32195: 847 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32195 before you start any project. Weirsdale 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 32195 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 32195 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 847 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 Weirsdale 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$167847$141,500
Additional Upgrades & Added Features$209847$176,875
Major Home Updates or Advancements$251847$212,250

It's important to understand that when you estimate your replacement cost of your home in the 32195 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 32195

Best Home & Auto Insurance Agencies in 32195

Housing Demographics for 32195

Population Review for 32195 Zip Code

For the city of Weirsdale, the population within 32195 has increased to over 3,874 residents in population size. The current population total is 3,462. We have broken down the population based on race below. In 32195, there are over 1736 in male population and 1726 females.

PopulationValues
Total Population3,462
White Population2894
Black Population201
Hispanic Population276
Asian Population34
Hawaiian Population1
Indian Population7
Other Population94
Male Population1736
Female Population1726
Population Estimate3874

Household Data for 32195

The average number of homes in 32195 is around 1,450, there are an average of 2.39 per household. The average house value according to local real estate values is around $141,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,450
Persons Per Household2.39
Average House Value$141,500
Income Per Household$55000
Median Age51.7
Median Age Male50.3
Median Age Female52.9
32195 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityWeirsdale
City Alias NameWEIRSDALE
CountyMarion
County FIPS083
State FIPS12
Time Zone5
Day Light SavingY
MSA5790
PMSA
CSA
CBSA36100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOcala, FL
MSA_NameOcala, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses73
Number Of Employees286
Business First Quarter Payroll2350
Business Annual Payroll10662
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population331298
CBSA Division Population0
Congressional District06
Congressional LandArea2506.92
Delivery Residential1621
Delivery Business24
Delivery Total2035
Preferred Last Line KeyY23206
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY23206
Land Area24.407000
Water Area4.331000
City Alias Code
City Mixed CaseWeirsdale
City Alias Mixed CaseWeirsdale
Box Count260
SFDU1208
MFDU0
State ANSI12
County ANSI083
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number119390
Unique ZIP Name
SSA State County Code10410
Medicare CBSA Code36100
Medicare CBSA NameOcala, FL
Medicare CBSA TypeMetro
Market Rating Area ID41
County Mixed CaseMarion

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: […]