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Home Insurance Rates in 32435

For homeowners shopping online in 32435, our insurance rates are very competitive for homeowners living in Defuniak Springs, FL. Many homeowners based out of the great city of Defuniak Springs have found it very easy to shop with The reason is because we 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32435, simply click the "Get Multiple Quotes Now" button. Your 32435 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Defuniak Springs, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32435 Home Insurance Rating is: Very High!

If you live in 32435, you can easily save up to 40% off the average home insurance premium of $1607 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Defuniak Springs can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32435 today!

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32435 Home Insurance Average Premiums

Local 32435 homeowners insurance quotes comparison

$1357 /yr.

Shows Zip Code: 32435 lowest rates with discounts applied on average.

For the 32435, 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)
$1357 /yr.
Average Coverage:$1607 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1907 /yr.

What is the average home insurance cost for a home in 32435?

  • • The average homeowners insurance premium paid annually for a home in 32435 is around $1607 per year.

What does it cost on average per month for home insurance in 32435?

  • • Homeowners in 32435 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32435?

  • • Autoowners in 32435 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 Defuniak Springs area, check out other zip codes nearby 32435.
Review average rates in another zip code:
32435 homeowners insurance rates
32433 homeowners insurance rates

Home Replacement Cost Coverage in 32435

Average Building Cost Per Square Foot in 32435: $167

Location: Defuniak Springs, Florida (Walton County)

Average Square Footage in 32435: 857 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32435 before you start any project. Defuniak Springs 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 32435 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 32435 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 857 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 Defuniak Springs 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$167857$143,100
Additional Upgrades & Added Features$209857$178,875
Major Home Updates or Advancements$251857$214,650

It's important to understand that when you estimate your replacement cost of your home in the 32435 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 32435

Best Home & Auto Insurance Agencies in 32435

Housing Demographics for 32435

Population Review for 32435 Zip Code

For the city of Defuniak Springs, the population within 32435 has increased to over 7,329 residents in population size. The current population total is 6,935. We have broken down the population based on race below. In 32435, there are over 3398 in male population and 3537 females.

Total Population6,935
White Population5248
Black Population620
Hispanic Population667
Asian Population69
Hawaiian Population5
Indian Population49
Other Population364
Male Population3398
Female Population3537
Population Estimate7329

Household Data for 32435

The average number of homes in 32435 is around 2,775, there are an average of 2.44 per household. The average house value according to local real estate values is around $143,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,775
Persons Per Household2.44
Average House Value$143,100
Income Per Household$47175
Median Age43.9
Median Age Male41.9
Median Age Female45.8
32435 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationDEFUNIAK SPGS
Area Code850/448
CityDefuniak Springs
County FIPS131
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses188
Number Of Employees2695
Business First Quarter Payroll18561
Business Annual Payroll76006
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population180822
CBSA Division Population0
Congressional District01|02
Congressional LandArea4016.3|8613.58
Delivery Residential3004
Delivery Business282
Delivery Total4313
Preferred Last Line KeyY21692
Classification Code
CSA Name
City State KeyY21692
Land Area136.739000
Water Area0.624000
City Alias Code
City Mixed CaseDefuniak Springs
City Alias Mixed CaseDefuniak Springs
Box Count523
State ANSI12
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112160
Unique ZIP Name
SSA State County Code10650
Medicare CBSA Code18880
Medicare CBSA NameCrestview-Fort Walton Beach-Destin, FL
Medicare CBSA TypeMetro
Market Rating Area ID66
County Mixed CaseWalton

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 […]