Get multiple home insurance quotes in 32259. Our licensed 32259, FL agents are ready to serve you.

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 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

The Salameh Insurance Group

Address: 1637 Race Track Rd, Ste 102 St Johns, FL 32259

Allstate Insurance Company - Csa George Y Salameh

Address: 1637 Race Track Rd St Johns, FL 32259

Allstate Insurance

Address: 106 Julington Plaza Dr St Johns, FL 32259

GYS Insurance & Financial, LLC

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

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.

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
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
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
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
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State Key007280
Land Area56.549000
Water Area19.463000
City Alias Code
City Mixed CaseSaint Johns
City Alias Mixed CaseSaint Johns
Box Count0
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

  • 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: […]

  • 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 […]