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32266 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32266? Our rates are very competitive for homeowners living in Neptune Beach, FL. Many homeowners based out of your 32266 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida 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 32266 should appear in the zip code field ready to go. For Neptune Beach, FL Home Insurance Rate Quotes click to review the best rates and service online!

32266 Average Premium is Rated: Very High!

Homeowners living in 32266 can easily save up to 40% off the average home insurance premium of $1661 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Neptune Beach that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32266 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32266!

32266 Home Insurance Average Premiums

Local 32266 homeowners insurance quotes comparison

$1411 /yr.

Shows Zip Code: 32266 lowest rates with discounts applied on average.

For the 32266, 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)
$1411 /yr.
Average Coverage:$1661 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1961 /yr.

What is the average home insurance cost for a home in 32266?

  • • The average homeowners insurance premium paid annually for a home in 32266 is around $1661 per year.

What does it cost on average per month for home insurance in 32266?

  • • Homeowners in 32266 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 32266?

  • • Autoowners in 32266 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 Neptune Beach area, check out other zip codes nearby 32266.
Review average rates in another zip code:
32266 homeowners insurance rates

Home Replacement Cost Coverage in 32266

Average Building Cost Per Square Foot in 32266: $167

Location: Neptune Beach, Florida (Duval County)

Average Square Footage in 32266: 2,768 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32266 before you start any project. Neptune 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 32266 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 32266 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,768 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 Neptune 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$1672,768$462,200
Additional Upgrades & Added Features$2092,768$577,750
Major Home Updates or Advancements$2512,768$693,300

It's important to understand that when you estimate your replacement cost of your home in the 32266 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 32266

Best Home & Auto Insurance Agencies in 32266

Housing Demographics for 32266

Population Review for 32266 Zip Code

For the city of Neptune Beach, the population within 32266 has increased to over 7,350 residents in population size. The current population total is 7,217. We have broken down the population based on race below. In 32266, there are over 3566 in male population and 3651 females.

Total Population7,217
White Population6406
Black Population76
Hispanic Population382
Asian Population89
Hawaiian Population7
Indian Population22
Other Population82
Male Population3566
Female Population3651
Population Estimate7350

Household Data for 32266

The average number of homes in 32266 is around 3,237, there are an average of 2.23 per household. The average house value according to local real estate values is around $462,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,237
Persons Per Household2.23
Average House Value$462,200
Income Per Household$98856
Median Age43.0
Median Age Male41.6
Median Age Female44.2
32266 DetailsValues
State Full NameFlorida
City TypeN
City Alias Abbreviation
Area Code904
CityNeptune Beach
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses320
Number Of Employees2658
Business First Quarter Payroll23091
Business Annual Payroll103395
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 Residential3296
Delivery Business247
Delivery Total3486
Preferred Last Line KeyY27136
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY27136
Land Area2.337000
Water Area0.587000
City Alias Code
City Mixed CaseNeptune Beach
City Alias Mixed CaseNeptune Beach
Box Count0
State ANSI12
County ANSI031
ZIP Intro
Alias Intro
Facility CodeN
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: […]