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Homeowners Insurance in 32438

For homeowners living in 32438, you want more affordable home insurance rates in Fountain, right? Our rates are very competitive for homeowners living in the great city of Fountain, FL. Many homeowners living in the 32438 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners 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 policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 32438 should appear in the zip code field ready to go. Comparing Fountain, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

32438 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Fountain pay around $1621 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 32438 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Fountain homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

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32438 Home Insurance Average Premiums

Local 32438 homeowners insurance quotes comparison

$1371 /yr.

Shows Zip Code: 32438 lowest rates with discounts applied on average.

For the 32438, 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)
$1371 /yr.
Average Coverage:$1621 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1921 /yr.

What is the average home insurance cost for a home in 32438?

  • • The average homeowners insurance premium paid annually for a home in 32438 is around $1621 per year.

What does it cost on average per month for home insurance in 32438?

  • • Homeowners in 32438 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 32438?

  • • Autoowners in 32438 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 Fountain area, check out other zip codes nearby 32438.
Review average rates in another zip code:
32438 homeowners insurance rates

Home Replacement Cost Coverage in 32438

Average Building Cost Per Square Foot in 32438: $167

Location: Fountain, Florida (Bay County)

Average Square Footage in 32438: 408 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32438 before you start any project. Fountain 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 32438 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 32438 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 408 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 Fountain 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$167408$68,100
Additional Upgrades & Added Features$209408$85,125
Major Home Updates or Advancements$251408$102,150

It's important to understand that when you estimate your replacement cost of your home in the 32438 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 32438

Best Home & Auto Insurance Agencies in 32438

Housing Demographics for 32438

Population Review for 32438 Zip Code

For the city of Fountain, the population within 32438 has increased to over 5,033 residents in population size. The current population total is 4,363. We have broken down the population based on race below. In 32438, there are over 2203 in male population and 2160 females.

PopulationValues
Total Population4,363
White Population3752
Black Population33
Hispanic Population231
Asian Population24
Hawaiian Population0
Indian Population68
Other Population69
Male Population2203
Female Population2160
Population Estimate5033

Household Data for 32438

The average number of homes in 32438 is around 1,577, there are an average of 2.77 per household. The average house value according to local real estate values is around $68,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,577
Persons Per Household2.77
Average House Value$68,100
Income Per Household$38490
Median Age42.4
Median Age Male41.8
Median Age Female42.9
32438 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityFountain
City Alias NameFOUNTAIN
CountyBay
County FIPS005
State FIPS12
Time Zone6
Day Light SavingY
MSA6015
PMSA
CSA
CBSA37460
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePanama City-Panama City Beach, FL
MSA_NamePanama City, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses21
Number Of Employees124
Business First Quarter Payroll630
Business Annual Payroll2233
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 Residential1817
Delivery Business25
Delivery Total2089
Preferred Last Line KeyY21894
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY21894
Land Area56.750000
Water Area0.286000
City Alias Code
City Mixed CaseFountain
City Alias Mixed CaseFountain
Box Count231
SFDU1758
MFDU0
State ANSI12
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113150
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

  • 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 […]