Get multiple home insurance quotes in 32351. Our licensed 32351, FL agents are ready to serve you.

Homeowners Insurance in 32351

In Quincy, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 32351 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 32351 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32351 should appear in the zip code field ready to go.

32351 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1990. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Quincy home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 32351 Home Insurance Rates Now!

Best 3 Options to Compare in 32351

If you want homeowners insurance quotes within the city of Quincy or in the 32351 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Quincy, FL.

32351 Home Insurance Average Premiums

Local 32351 homeowners insurance quotes comparison

$1740 /yr.

Shows Zip Code: 32351 lowest rates with discounts applied on average.

For the 32351, 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)
$1740 /yr.
Average Coverage:$1990 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2290 /yr.

What is the average home insurance cost for a home in 32351?

  • • The average homeowners insurance premium paid annually for a home in 32351 is around $1990 per year.

What does it cost on average per month for home insurance in 32351?

  • • Homeowners in 32351 pay a monthly average cost per month around $166.00.

What kind of discount could I get if I combine my home and auto insurance together in 32351?

  • • Autoowners in 32351 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.

You can easily shop and compare home insurance rates within Quincy, check out other zip codes nearby 32351.
To review average rates in another zip code, click on a zip code below:
32351  |  32352  | 

Home Replacement Cost Coverage in 32351

Average Building Cost Per Square Foot in 32351: $167

Location: Quincy, Florida (Gadsden County)

Average Square Footage in 32351: 510 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32351 before you start any project. Quincy 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 32351 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 32351 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 510 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 Quincy 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$167510$85,200
Additional Upgrades & Added Features$209510$106,500
Major Home Updates or Advancements$251510$127,800

It's important to understand that when you estimate your replacement cost of your home in the 32351 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 32351

Best Home & Auto Insurance Agencies in 32351

A-1 Auto Insurance CO of Quincy

Address: 403 W Crawford St Quincy, FL 32351
Phone:
Website:
Info:

Affordable Insurance of Gadsden County Inc

Address: 373 E Jefferson St Quincy, FL 32351
Phone:
Website:
Info:

Allstate Insurance Company - George Rowan

Address: 923 W Jefferson St Quincy, FL 32351
Phone:
Website: http://www.allstateagencies.com/094512?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 32351

Population Review for 32351 Zip Code

For the city of Quincy, the population within 32351 has increased to over 16,998 residents in population size. The current population total is 16,526. We have broken down the population based on race below. In 32351, there are over 7987 in male population and 8539 females.

PopulationValues
Total Population16,526
White Population4812
Black Population8939
Hispanic Population2808
Asian Population52
Hawaiian Population2
Indian Population110
Other Population1646
Male Population7987
Female Population8539
Population Estimate16998

Household Data for 32351

The average number of homes in 32351 is around 6,239, there are an average of 2.55 per household. The average house value according to local real estate values is around $85,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,239
Persons Per Household2.55
Average House Value$85,200
Income Per Household$35456
Median Age40.7
Median Age Male38.7
Median Age Female42.7
32351 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityQuincy
City Alias NameQUINCY
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 Businesses303
Number Of Employees3354
Business First Quarter Payroll26353
Business Annual Payroll112607
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 Residential6666
Delivery Business510
Delivery Total7171
Preferred Last Line KeyY22773
Classification Code
Multi-CountyY
CSA NameTallahassee-Bainbridge, FL-GA
CBSA_DIV_Name
City State KeyY22773
Land Area213.034000
Water Area7.715000
City Alias Code
City Mixed CaseQuincy
City Alias Mixed CaseQuincy
Box Count0
SFDU5912
MFDU305
State ANSI12
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117845
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

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]