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32328 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32328 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Eastpoint, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32328.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32328 and start shopping.

Quickly and Easily Compare Average Rates for 32328

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Eastpoint, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32328

Homeowners in Eastpoint are paying roughly $1584 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32328 Home Insurance Average Premiums

Local 32328 homeowners insurance quotes comparison

$1334 /yr.

Shows Zip Code: 32328 lowest rates with discounts applied on average.

For the 32328, 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)
$1334 /yr.
Average Coverage:$1584 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1884 /yr.

What is the average home insurance cost for a home in 32328?

  • • The average homeowners insurance premium paid annually for a home in 32328 is around $1584 per year.

What does it cost on average per month for home insurance in 32328?

  • • Homeowners in 32328 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32328?

  • • Autoowners in 32328 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 Eastpoint area, check out other zip codes nearby 32328.
Review average rates in another zip code:
32328 homeowners insurance rates

Home Replacement Cost Coverage in 32328

Average Building Cost Per Square Foot in 32328: $167

Location: Eastpoint, Florida (Franklin County)

Average Square Footage in 32328: 1,508 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32328 before you start any project. Eastpoint 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 32328 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 32328 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,508 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 Eastpoint 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$1671,508$251,900
Additional Upgrades & Added Features$2091,508$314,875
Major Home Updates or Advancements$2511,508$377,850

It's important to understand that when you estimate your replacement cost of your home in the 32328 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 32328

Best Home & Auto Insurance Agencies in 32328

Housing Demographics for 32328

Population Review for 32328 Zip Code

For the city of Eastpoint, the population within 32328 has increased to over 3,969 residents in population size. The current population total is 3,721. We have broken down the population based on race below. In 32328, there are over 1863 in male population and 1858 females.

PopulationValues
Total Population3,721
White Population3391
Black Population41
Hispanic Population153
Asian Population8
Hawaiian Population1
Indian Population18
Other Population53
Male Population1863
Female Population1858
Population Estimate3969

Household Data for 32328

The average number of homes in 32328 is around 1,539, there are an average of 2.38 per household. The average house value according to local real estate values is around $251,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,539
Persons Per Household2.38
Average House Value$251,900
Income Per Household$52157
Median Age50.9
Median Age Male50.6
Median Age Female51.0
32328 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityEastpoint
City Alias NameEASTPOINT
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 Businesses115
Number Of Employees811
Business First Quarter Payroll5930
Business Annual Payroll29978
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 Residential1668
Delivery Business119
Delivery Total2797
Preferred Last Line KeyY21776
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21776
Land Area85.795000
Water Area73.445000
City Alias Code
City Mixed CaseEastpoint
City Alias Mixed CaseEastpoint
Box Count399
SFDU1373
MFDU212
State ANSI12
County ANSI037
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number112475
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

  • 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: […]

  • 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 […]