Get multiple home insurance quotes in 32233. Our licensed 32233, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 32233

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 32233, do yourself a favor and get a rate quote from We will provide you with up to 12 quotes for homeowners coverage in Atlantic Beach, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 32233 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 32233

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

32233 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Atlantic Beach we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 32233, homeowners are seeing rates around 1669 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 32233!

32233 Home Insurance Average Premiums

Local 32233 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 32233 lowest rates with discounts applied on average.

For the 32233, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 32233?

  • • The average homeowners insurance premium paid annually for a home in 32233 is around $1669 per year.

What does it cost on average per month for home insurance in 32233?

  • • Homeowners in 32233 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32233?

  • • Autoowners in 32233 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 Atlantic Beach area, check out other zip codes nearby 32233.
Review average rates in another zip code:
32233 homeowners insurance rates

Home Replacement Cost Coverage in 32233

Average Building Cost Per Square Foot in 32233: $167

Location: Atlantic Beach, Florida (Duval County)

Average Square Footage in 32233: 2,023 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32233 before you start any project. Atlantic 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 32233 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 32233 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,023 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 Atlantic 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$1672,023$337,800
Additional Upgrades & Added Features$2092,023$422,250
Major Home Updates or Advancements$2512,023$506,700

It's important to understand that when you estimate your replacement cost of your home in the 32233 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 32233

Allstate With Scott Cattin

Address: 2294 Mayport Road # 19 Atlantic Beach, FL 32233
Phone: (904)249-1115

Cabell Insurance Agent for Nationwide

Address: 102 State Road 3 Jacksonville, FL 32233
Phone: (904)288-8880

Best Home & Auto Insurance Agencies in 32233

Allstate With Scott Cattin

Address: 2294 Mayport Rd, #Rd-19 Atlantic Beach, FL 32233
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Mr Auto Insurance of Atlantic Beach Incorporated

Address: 18 Seminole Rd Atlantic Beach, FL 32233

All Florida Auto Insurance

Address: 543 Atlantic Blvd Atlantic Beach, FL 32233

Allstate Insurance

Address: 2294 Mayport Rd Atlantic Beach, FL 32233

Millerjr, William E - Allstate

Address: 469 Atlantic Blvd, #9 Atlantic Beach, FL 32233

Housing Demographics for 32233

Population Review for 32233 Zip Code

For the city of Atlantic Beach, the population within 32233 has increased to over 25,121 residents in population size. The current population total is 23,980. We have broken down the population based on race below. In 32233, there are over 11976 in male population and 12004 females.

Total Population23,980
White Population17704
Black Population2439
Hispanic Population2152
Asian Population684
Hawaiian Population67
Indian Population108
Other Population729
Male Population11976
Female Population12004
Population Estimate25121

Household Data for 32233

The average number of homes in 32233 is around 10,171, there are an average of 2.28 per household. The average house value according to local real estate values is around $337,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,171
Persons Per Household2.28
Average House Value$337,800
Income Per Household$70781
Median Age40.7
Median Age Male38.8
Median Age Female43.4
32233 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationATLANTIC BCH
Area Code904
CityAtlantic Beach
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses593
Number Of Employees4671
Business First Quarter Payroll42003
Business Annual Payroll194655
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District05
Congressional LandArea1355.03
Delivery Residential11018
Delivery Business566
Delivery Total12062
Preferred Last Line KeyY21385
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY21385
Land Area10.200000
Water Area3.569000
City Alias Code
City Mixed CaseAtlantic Beach
City Alias Mixed CaseAtlantic Beach
Box Count384
State ANSI12
County ANSI031
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114380
Unique ZIP Name
SSA State County Code10150
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID15
County Mixed CaseDuval

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: […]