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Homeowners Insurance in 32428

Getting the most affordable home insurance rates in 32428 just got easier for Chipley, FL home insurance shoppers who want to shop online at We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Chipley. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Chipley, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32428

When discussing Florida homeowners insurance rates, Chipley residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32428 zipcode are currently paying $1637 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Chipley does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32428 Home Insurance Average Premiums

Local 32428 homeowners insurance quotes comparison

$1387 /yr.

Shows Zip Code: 32428 lowest rates with discounts applied on average.

For the 32428, 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)
$1387 /yr.
Average Coverage:$1637 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1937 /yr.

What is the average home insurance cost for a home in 32428?

  • • The average homeowners insurance premium paid annually for a home in 32428 is around $1637 per year.

What does it cost on average per month for home insurance in 32428?

  • • Homeowners in 32428 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32428?

  • • Autoowners in 32428 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 Chipley area, check out other zip codes nearby 32428.
Review average rates in another zip code:
32428 homeowners insurance rates

Home Replacement Cost Coverage in 32428

Average Building Cost Per Square Foot in 32428: $167

Location: Chipley, Florida (Washington County)

Average Square Footage in 32428: 780 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32428 before you start any project. Chipley 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 32428 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 32428 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 780 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 Chipley 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$167780$130,200
Additional Upgrades & Added Features$209780$162,750
Major Home Updates or Advancements$251780$195,300

It's important to understand that when you estimate your replacement cost of your home in the 32428 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 32428

Brooke Insurance & Financial Services

Address: 1391 Brickyard Road Chipley, FL 32428
Phone: (850)638-3900

Best Home & Auto Insurance Agencies in 32428

Housing Demographics for 32428

Population Review for 32428 Zip Code

For the city of Chipley, the population within 32428 has increased to over 17,458 residents in population size. The current population total is 17,946. We have broken down the population based on race below. In 32428, there are over 9823 in male population and 8123 females.

Total Population17,946
White Population13993
Black Population2431
Hispanic Population714
Asian Population104
Hawaiian Population19
Indian Population110
Other Population258
Male Population9823
Female Population8123
Population Estimate17458

Household Data for 32428

The average number of homes in 32428 is around 6,206, there are an average of 2.52 per household. The average house value according to local real estate values is around $130,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,206
Persons Per Household2.52
Average House Value$130,200
Income Per Household$43542
Median Age42.4
Median Age Male41.1
Median Age Female44.5
32428 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
City Alias NameCHIPLEY
County FIPS133
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePanama City-Panama City Beach, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses344
Number Of Employees3628
Business First Quarter Payroll30092
Business Annual Payroll129507
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 Residential6928
Delivery Business435
Delivery Total7824
Preferred Last Line KeyY21576
Classification Code
CSA Name
City State KeyY21576
Land Area285.894000
Water Area14.293000
City Alias Code
City Mixed CaseChipley
City Alias Mixed CaseChipley
Box Count325
State ANSI12
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111530
Unique ZIP Name
SSA State County Code10660
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID67
County Mixed CaseWashington

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]