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Homeowners Insurance coverage in 32324

If you are a homeowner in 32324 or Chattahoochee, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Chattahoochee.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32324.

Learn more about our homeowners insurance shopping service by selecting the best Chattahoochee, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32324?

Residents of Chattahoochee have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32324 zipcode, expect to pay around $1623 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Chattahoochee does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32324 Home Insurance Average Premiums

Local 32324 homeowners insurance quotes comparison

$1373 /yr.

Shows Zip Code: 32324 lowest rates with discounts applied on average.

For the 32324, 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)
$1373 /yr.
Average Coverage:$1623 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1923 /yr.

What is the average home insurance cost for a home in 32324?

  • • The average homeowners insurance premium paid annually for a home in 32324 is around $1623 per year.

What does it cost on average per month for home insurance in 32324?

  • • Homeowners in 32324 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 32324?

  • • Autoowners in 32324 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 Chattahoochee area, check out other zip codes nearby 32324.
Review average rates in another zip code:
32324 homeowners insurance rates

Home Replacement Cost Coverage in 32324

Average Building Cost Per Square Foot in 32324: $167

Location: Chattahoochee, Florida (Gadsden County)

Average Square Footage in 32324: 380 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32324 before you start any project. Chattahoochee 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 32324 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 32324 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 380 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 Chattahoochee 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$167380$63,400
Additional Upgrades & Added Features$209380$79,250
Major Home Updates or Advancements$251380$95,100

It's important to understand that when you estimate your replacement cost of your home in the 32324 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 32324

Best Home & Auto Insurance Agencies in 32324

Housing Demographics for 32324

Population Review for 32324 Zip Code

For the city of Chattahoochee, the population within 32324 has increased to over 3,809 residents in population size. The current population total is 4,554. We have broken down the population based on race below. In 32324, there are over 2416 in male population and 2138 females.

PopulationValues
Total Population4,554
White Population1985
Black Population2186
Hispanic Population299
Asian Population24
Hawaiian Population4
Indian Population18
Other Population117
Male Population2416
Female Population2138
Population Estimate3809

Household Data for 32324

The average number of homes in 32324 is around 1,525, there are an average of 2.34 per household. The average house value according to local real estate values is around $63,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,525
Persons Per Household2.34
Average House Value$63,400
Income Per Household$47448
Median Age45.7
Median Age Male44.7
Median Age Female47.2
32324 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityChattahoochee
City Alias NameCHATTAHOOCHEE
CountyGadsden
County FIPS039
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 Businesses44
Number Of Employees1351
Business First Quarter Payroll27035
Business Annual Payroll120007
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 Residential1628
Delivery Business88
Delivery Total1971
Preferred Last Line KeyY21574
Classification Code
Multi-County
CSA NameTallahassee-Bainbridge, FL-GA
CBSA_DIV_Name
City State KeyY21574
Land Area67.430000
Water Area0.535000
City Alias Code
City Mixed CaseChattahoochee
City Alias Mixed CaseChattahoochee
Box Count212
SFDU1499
MFDU36
State ANSI12
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111500
Unique ZIP Name
SSA State County Code10190
Medicare CBSA Code45220
Medicare CBSA NameTallahassee, FL
Medicare CBSA TypeMetro
Market Rating Area ID19
County Mixed CaseGadsden

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 […]