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32413 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 32413 zip code find a great new policy that offers the coverage they need at a price they can afford. makes shopping for a new policy in Panama City Beach, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32413.

Shopping for insurance quotes on is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32413 and start shopping.

Quickly and Easily Compare Average Rates for 32413

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

Average Policy Rates in 32413

Homeowners in Panama City Beach are paying roughly $1640 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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32413 Home Insurance Average Premiums

Local 32413 homeowners insurance quotes comparison

$1390 /yr.

Shows Zip Code: 32413 lowest rates with discounts applied on average.

For the 32413, 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)
$1390 /yr.
Average Coverage:$1640 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1940 /yr.

What is the average home insurance cost for a home in 32413?

  • • The average homeowners insurance premium paid annually for a home in 32413 is around $1640 per year.

What does it cost on average per month for home insurance in 32413?

  • • Homeowners in 32413 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32413?

  • • Autoowners in 32413 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 Panama City Beach area, check out other zip codes nearby 32413.
Review average rates in another zip code:
32413 homeowners insurance rates
32407 homeowners insurance rates

Home Replacement Cost Coverage in 32413

Average Building Cost Per Square Foot in 32413: $167

Location: Panama City Beach, Florida (Bay County)

Average Square Footage in 32413: 1,682 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32413 before you start any project. Panama City Beach 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 32413 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 32413 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,682 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 Panama City Beach 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$1671,682$280,900
Additional Upgrades & Added Features$2091,682$351,125
Major Home Updates or Advancements$2511,682$421,350

It's important to understand that when you estimate your replacement cost of your home in the 32413 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 32413

Best Home & Auto Insurance Agencies in 32413

Housing Demographics for 32413

Population Review for 32413 Zip Code

For the city of Panama City Beach, the population within 32413 has increased to over 26,400 residents in population size. The current population total is 15,217. We have broken down the population based on race below. In 32413, there are over 7551 in male population and 7666 females.

Total Population15,217
White Population12770
Black Population324
Hispanic Population1171
Asian Population295
Hawaiian Population10
Indian Population102
Other Population491
Male Population7551
Female Population7666
Population Estimate26400

Household Data for 32413

The average number of homes in 32413 is around 7,010, there are an average of 2.17 per household. The average house value according to local real estate values is around $280,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,010
Persons Per Household2.17
Average House Value$280,900
Income Per Household$71125
Median Age50.4
Median Age Male49.4
Median Age Female51.6
32413 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationP C BEACH
Area Code850
CityPanama City Beach
County FIPS005
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePanama City-Panama City Beach, FL
MSA_NamePanama City, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses641
Number Of Employees7229
Business First Quarter Payroll62970
Business Annual Payroll288451
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population168852
CBSA Division Population0
Congressional District02
Congressional LandArea8613.58
Delivery Residential12166
Delivery Business709
Delivery Total12590
Preferred Last Line KeyY22660
Classification Code
CSA Name
City State KeyY22660
Land Area108.227000
Water Area19.590000
City Alias Code
City Mixed CasePanama City Beach
City Alias Mixed CasePanama City Beach
Box Count0
State ANSI12
County ANSI005
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117260
Unique ZIP Name
SSA State County Code10020
Medicare CBSA Code37460
Medicare CBSA NamePanama City, FL
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseBay

Florida Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]