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Compare 32320 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Apalachicola just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 1,647 neighbors looking to save on their home insurance policy in the local 32320 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32320. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Apalachicola, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Apalachicola, FL

32320 Home Insurance Average Premiums

Local 32320 homeowners insurance quotes comparison

$1358 /yr.

Shows Zip Code: 32320 lowest rates with discounts applied on average.

For the 32320, 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)
$1358 /yr.
Average Coverage:$1608 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1908 /yr.

What is the average home insurance cost for a home in 32320?

  • • The average homeowners insurance premium paid annually for a home in 32320 is around $1608 per year.

What does it cost on average per month for home insurance in 32320?

  • • Homeowners in 32320 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32320?

  • • Autoowners in 32320 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 Apalachicola area, check out other zip codes nearby 32320.
Review average rates in another zip code:
32320 homeowners insurance rates

Home Replacement Cost Coverage in 32320

Average Building Cost Per Square Foot in 32320: $167

Location: Apalachicola, Florida (Franklin County)

Average Square Footage in 32320: 1,128 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32320 before you start any project. Apalachicola 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 32320 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 32320 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,128 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 Apalachicola 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$1671,128$188,400
Additional Upgrades & Added Features$2091,128$235,500
Major Home Updates or Advancements$2511,128$282,600

It's important to understand that when you estimate your replacement cost of your home in the 32320 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 32320

Cook Insurance Agency

Address: 23 Avenue D Apalachicola, FL 32320
Phone: (850)653-9310
Website: www.cookinsurance.com

Best Home & Auto Insurance Agencies in 32320

Housing Demographics for 32320

Population Review for 32320 Zip Code

For the city of Apalachicola, the population within 32320 has increased to over 3,455 residents in population size. The current population total is 3,726. We have broken down the population based on race below. In 32320, there are over 1799 in male population and 1927 females.

PopulationValues
Total Population3,726
White Population2681
Black Population636
Hispanic Population256
Asian Population15
Hawaiian Population1
Indian Population16
Other Population148
Male Population1799
Female Population1927
Population Estimate3455

Household Data for 32320

The average number of homes in 32320 is around 1,647, there are an average of 2.26 per household. The average house value according to local real estate values is around $188,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,647
Persons Per Household2.26
Average House Value$188,400
Income Per Household$55390
Median Age49.2
Median Age Male48.2
Median Age Female50.1
32320 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityApalachicola
City Alias NameAPALACHICOLA
CountyFranklin
County FIPS037
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses133
Number Of Employees1096
Business First Quarter Payroll8571
Business Annual Payroll37184
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea8613.58
Delivery Residential1529
Delivery Business155
Delivery Total1683
Preferred Last Line KeyY21368
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21368
Land Area31.980000
Water Area14.336000
City Alias Code
City Mixed CaseApalachicola
City Alias Mixed CaseApalachicola
Box Count0
SFDU1386
MFDU1
State ANSI12
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number110210
Unique ZIP Name
SSA State County Code10180
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID18
County Mixed CaseFranklin

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 […]