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32308 Home Insurance Rates

For homeowners living in 32308, the population estimates are increasing to well over 23,355 with 10,922 occupied homes within the zip code of 32308. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Tallahassee have increased and the average home insurance premium is around $1,619 per year in 32308. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 32308 zip code today so we can help you find affordable Tallahassee, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32308

Please select one of the three options below based on your 32308 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Leon County, FL Home Insurance
  3. Tallahassee, FL Home Insurance Quotes

32308 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32308 zip code just got easier with GetHomeInsuranceQuotes.com of Tallahassee, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 32308 today and let us help you review the best home insurance quotes available for homeowners living in Tallahassee.

Get 32308 Homeowners Insurance Rates Now!

32308 Home Insurance Average Premiums

Local 32308 homeowners insurance quotes comparison

$1369 /yr.

Shows Zip Code: 32308 lowest rates with discounts applied on average.

For the 32308, 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)
$1369 /yr.
Average Coverage:$1619 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1919 /yr.

What is the average home insurance cost for a home in 32308?

  • • The average homeowners insurance premium paid annually for a home in 32308 is around $1619 per year.

What does it cost on average per month for home insurance in 32308?

  • • Homeowners in 32308 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32308?

  • • Autoowners in 32308 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 Tallahassee area, check out other zip codes nearby 32308.
Review average rates in another zip code:
32308 homeowners insurance rates
32317 homeowners insurance rates
32305 homeowners insurance rates
32310 homeowners insurance rates
32303 homeowners insurance rates
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32312 homeowners insurance rates
32309 homeowners insurance rates
32301 homeowners insurance rates
32311 homeowners insurance rates

Home Replacement Cost Coverage in 32308

Average Building Cost Per Square Foot in 32308: $167

Location: Tallahassee, Florida (Leon County)

Average Square Footage in 32308: 1,440 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32308 before you start any project. Tallahassee 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 32308 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 32308 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,440 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 Tallahassee 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$1671,440$240,400
Additional Upgrades & Added Features$2091,440$300,500
Major Home Updates or Advancements$2511,440$360,600

It's important to understand that when you estimate your replacement cost of your home in the 32308 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 32308

Best Home & Auto Insurance Agencies in 32308

Allstate Insurance Companies

Address: 2742 Capital Cir NE Tallahassee, FL 32308
Phone:
Website: http://www.allstate.com
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, allstate.com

Bill Beaty Ins Agcy Inc - State Farm Insurance Agent

Address: 2727 Capital Cir NE Tallahassee, FL 32308
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance - John L. Cheney- Jr.

Address: 1350 E Tennessee St, Ste C1a Tallahassee, FL 32308
Phone:
Website:
Info:

Housing Demographics for 32308

Population Review for 32308 Zip Code

For the city of Tallahassee, the population within 32308 has increased to over 23,669 residents in population size. The current population total is 23,355. We have broken down the population based on race below. In 32308, there are over 10443 in male population and 12912 females.

PopulationValues
Total Population23,355
White Population15512
Black Population4834
Hispanic Population1523
Asian Population838
Hawaiian Population26
Indian Population49
Other Population389
Male Population10443
Female Population12912
Population Estimate23669

Household Data for 32308

The average number of homes in 32308 is around 10,922, there are an average of 2.05 per household. The average house value according to local real estate values is around $240,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,922
Persons Per Household2.05
Average House Value$240,400
Income Per Household$65726
Median Age43.1
Median Age Male40.0
Median Age Female46.2
32308 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityTallahassee
City Alias NameTALLAHASSEE
CountyLeon
County FIPS073
State FIPS12
Time Zone5
Day Light SavingY
MSA8240
PMSA
CSA533
CBSA45220
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTallahassee, FL
MSA_NameTallahassee, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1485
Number Of Employees27547
Business First Quarter Payroll355496
Business Annual Payroll1561743
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population367413
CBSA Division Population0
Congressional District02
Congressional LandArea8613.58
Delivery Residential11546
Delivery Business1548
Delivery Total12506
Preferred Last Line KeyY23073
Classification Code
Multi-County
CSA NameTallahassee-Bainbridge, FL-GA
CBSA_DIV_Name
City State KeyY23073
Land Area15.807000
Water Area0.227000
City Alias Code
City Mixed CaseTallahassee
City Alias Mixed CaseTallahassee
Box Count0
SFDU6668
MFDU2703
State ANSI12
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118895
Unique ZIP Name
SSA State County Code10360
Medicare CBSA Code45220
Medicare CBSA NameTallahassee, FL
Medicare CBSA TypeMetro
Market Rating Area ID36
County Mixed CaseLeon

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: […]