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Home Insurance in 32259

Our rates are very competitive for homeowners living in the 32259 zip code. Many homeowners based out of Saint Johns, FL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our FL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32259 should appear in the zip code field ready to go.

32259 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Saint Johns area? The average homeowners premium in 32259 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32259, you can expect to pay around $1671 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 32259 Today!

Get Home Insurance Quotes in 32259

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32259 home insurance shopping today!

  1. Saint Johns, FL Home Insurance Quotes

32259 Home Insurance Average Premiums

Local 32259 homeowners insurance quotes comparison

$1421 /yr.

Shows Zip Code: 32259 lowest rates with discounts applied on average.

For the 32259, 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)
$1421 /yr.
Average Coverage:$1671 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1971 /yr.

What is the average home insurance cost for a home in 32259?

  • • The average homeowners insurance premium paid annually for a home in 32259 is around $1671 per year.

What does it cost on average per month for home insurance in 32259?

  • • Homeowners in 32259 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 32259?

  • • Autoowners in 32259 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 Saint Johns area, check out other zip codes nearby 32259.
Review average rates in another zip code:
32259 homeowners insurance rates

Home Replacement Cost Coverage in 32259

Average Building Cost Per Square Foot in 32259: $167

Location: Saint Johns, Florida (Saint Johns County)

Average Square Footage in 32259: 2,228 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32259 before you start any project. Saint Johns 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 32259 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 32259 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,228 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 Saint Johns 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$1672,228$372,100
Additional Upgrades & Added Features$2092,228$465,125
Major Home Updates or Advancements$2512,228$558,150

It's important to understand that when you estimate your replacement cost of your home in the 32259 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 32259

Best Home & Auto Insurance Agencies in 32259

Allstate Insurance

Address: 106 Julington Plaza Dr St Johns, FL 32259
Phone:
Website: http://www.allstateagencies.com/043739?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Company - Csa George Y Salameh

Address: 1637 Race Track Rd St Johns, FL 32259
Phone:
Website: http://www.allstateagencies.com/078453?cid=OTC-YP.com-IYP&att=TL
Info:

GYS Insurance & Financial, LLC

Address: 1637 Race Track Rd, Ste 101 St Johns, FL 32259
Phone:
Website:
Info:

The Salameh Insurance Group

Address: 1637 Race Track Rd, Ste 102 St Johns, FL 32259
Phone:
Website: http://www.thesalamehgroup.com/
Info:

Housing Demographics for 32259

Population Review for 32259 Zip Code

For the city of Saint Johns, the population within 32259 has increased to over 76,547 residents in population size. The current population total is 62,169. We have broken down the population based on race below. In 32259, there are over 30426 in male population and 31743 females.

PopulationValues
Total Population62,169
White Population46833
Black Population2911
Hispanic Population5945
Asian Population4478
Hawaiian Population45
Indian Population137
Other Population1252
Male Population30426
Female Population31743
Population Estimate76547

Household Data for 32259

The average number of homes in 32259 is around 20,077, there are an average of 3.07 per household. The average house value according to local real estate values is around $372,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,077
Persons Per Household3.07
Average House Value$372,100
Income Per Household$134552
Median Age38.8
Median Age Male38.2
Median Age Female39.3
32259 DetailsValues
StateFL
State Full NameFlorida
City TypeN
City Alias Abbreviation
Area Code904
CitySaint Johns
City Alias NameSAINT JOHNS
CountySaint Johns
County FIPS109
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1238
Number Of Employees8069
Business First Quarter Payroll70431
Business Annual Payroll322233
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 Residential24934
Delivery Business674
Delivery Total30620
Preferred Last Line Key007280
Classification Code
Multi-CountyY
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State Key007280
Land Area56.549000
Water Area19.463000
City Alias Code
City Mixed CaseSaint Johns
City Alias Mixed CaseSaint Johns
Box Count0
SFDU13702
MFDU1989
State ANSI12
County ANSI109
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114380
Unique ZIP Name
SSA State County Code10540
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID58
County Mixed CaseSaint Johns

Florida Homeowners Insurance News & Information

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    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

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  • 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 […]