Get multiple home insurance quotes in 32426. Our licensed 32426, FL agents are ready to serve you.

Start Searching Home Insurance Quotes in 32426

Are you paying too much for homeowners insurance in 32426? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Campbellton, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 32426?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 32426 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 32426 and get ready to save.

3 Easy Ways To Save Money In 32426

These three links will help you explore home insurance quotes in 32426 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 32426 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Campbellton is roughly $1616. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 32426 Homeowners Insurance Rates Right Now!

32426 Home Insurance Average Premiums

Local 32426 homeowners insurance quotes comparison

$1366 /yr.

Shows Zip Code: 32426 lowest rates with discounts applied on average.

For the 32426, 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)
$1366 /yr.
Average Coverage:$1616 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1916 /yr.

What is the average home insurance cost for a home in 32426?

  • • The average homeowners insurance premium paid annually for a home in 32426 is around $1616 per year.

What does it cost on average per month for home insurance in 32426?

  • • Homeowners in 32426 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 32426?

  • • Autoowners in 32426 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 Campbellton area, check out other zip codes nearby 32426.
Review average rates in another zip code:
32426 homeowners insurance rates

Home Replacement Cost Coverage in 32426

Average Building Cost Per Square Foot in 32426: $167

Location: Campbellton, Florida (Jackson County)

Average Square Footage in 32426: 468 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32426 before you start any project. Campbellton 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 32426 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 32426 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 468 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 Campbellton 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$167468$78,200
Additional Upgrades & Added Features$209468$97,750
Major Home Updates or Advancements$251468$117,300

It's important to understand that when you estimate your replacement cost of your home in the 32426 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 32426

Best Home & Auto Insurance Agencies in 32426

Housing Demographics for 32426

Population Review for 32426 Zip Code

For the city of Campbellton, the population within 32426 has increased to over 836 residents in population size. The current population total is 778. We have broken down the population based on race below. In 32426, there are over 371 in male population and 407 females.

PopulationValues
Total Population778
White Population177
Black Population548
Hispanic Population23
Asian Population3
Hawaiian Population0
Indian Population2
Other Population16
Male Population371
Female Population407
Population Estimate836

Household Data for 32426

The average number of homes in 32426 is around 345, there are an average of 2.26 per household. The average house value according to local real estate values is around $78,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode345
Persons Per Household2.26
Average House Value$78,200
Income Per Household$32239
Median Age51.5
Median Age Male50.9
Median Age Female51.8
32426 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityCampbellton
City Alias NameCAMPBELLTON
CountyJackson
County FIPS063
State FIPS12
Time Zone6
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 Businesses17
Number Of Employees130
Business First Quarter Payroll1418
Business Annual Payroll5365
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 Residential370
Delivery Business13
Delivery Total684
Preferred Last Line KeyY21530
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21530
Land Area46.923000
Water Area0.515000
City Alias Code
City Mixed CaseCampbellton
City Alias Mixed CaseCampbellton
Box Count106
SFDU370
MFDU0
State ANSI12
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number111260
Unique ZIP Name
SSA State County Code10310
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID31
County Mixed CaseJackson

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 […]