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32317 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 32317? There are over 5,471 occupied homes in the 32317 area. With a population size of 14,459, it's not uncommon for residence of Tallahassee, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,675 per year. At, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 32317 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Tallahassee, FL Home Insurance Rate Quotes

32317 Home Insurance Average Premiums

Local 32317 homeowners insurance quotes comparison

$1425 /yr.

Shows Zip Code: 32317 lowest rates with discounts applied on average.

For the 32317, 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)
$1425 /yr.
Average Coverage:$1675 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1975 /yr.

What is the average home insurance cost for a home in 32317?

  • • The average homeowners insurance premium paid annually for a home in 32317 is around $1675 per year.

What does it cost on average per month for home insurance in 32317?

  • • Homeowners in 32317 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 32317?

  • • Autoowners in 32317 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 32317.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 32317

Average Building Cost Per Square Foot in 32317: $167

Location: Tallahassee, Florida (Leon County)

Average Square Footage in 32317: 1,718 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32317 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 32317 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 32317 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,718 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$1671,718$286,900
Additional Upgrades & Added Features$2091,718$358,625
Major Home Updates or Advancements$2511,718$430,350

It's important to understand that when you estimate your replacement cost of your home in the 32317 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 32317

Best Home & Auto Insurance Agencies in 32317

Housing Demographics for 32317

Population Review for 32317 Zip Code

For the city of Tallahassee, the population within 32317 has increased to over 15,759 residents in population size. The current population total is 14,459. We have broken down the population based on race below. In 32317, there are over 6907 in male population and 7552 females.

Total Population14,459
White Population9967
Black Population2138
Hispanic Population859
Asian Population1040
Hawaiian Population11
Indian Population39
Other Population232
Male Population6907
Female Population7552
Population Estimate15759

Household Data for 32317

The average number of homes in 32317 is around 5,471, there are an average of 2.62 per household. The average house value according to local real estate values is around $286,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,471
Persons Per Household2.62
Average House Value$286,900
Income Per Household$102318
Median Age45.3
Median Age Male44.5
Median Age Female45.9
32317 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
County FIPS073
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameTallahassee, FL
MSA_NameTallahassee, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses259
Number Of Employees2935
Business First Quarter Payroll47810
Business Annual Payroll184614
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 Residential6015
Delivery Business91
Delivery Total7868
Preferred Last Line KeyY23073
Classification Code
CSA NameTallahassee-Bainbridge, FL-GA
City State KeyY23073
Land Area35.551000
Water Area1.021000
City Alias Code
City Mixed CaseTallahassee
City Alias Mixed CaseTallahassee
Box Count925
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]