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Home Insurance Quotes in 32439

Are you shopping for a cheaper homeowners insurance rate in 32439? Our rates are very competitive for homeowners living in Freeport, FL. Many homeowners located in the 32439 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32439. To get free 32439 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32439 zip code should appear in the zip code field ready to go. Shopping Freeport, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32439 to review the best rate coverages.

Your 32439 Home Insurance Costs Is Rated: Very High!

For the great city of Freeport, the average home insurance premium paid annually is around $1620 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Freeport and need insurance on your home in the 32439 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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32439 Home Insurance Average Premiums

Local 32439 homeowners insurance quotes comparison

$1370 /yr.

Shows Zip Code: 32439 lowest rates with discounts applied on average.

For the 32439, 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)
$1370 /yr.
Average Coverage:$1620 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1920 /yr.

What is the average home insurance cost for a home in 32439?

  • • The average homeowners insurance premium paid annually for a home in 32439 is around $1620 per year.

What does it cost on average per month for home insurance in 32439?

  • • Homeowners in 32439 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 32439?

  • • Autoowners in 32439 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 Freeport area, check out other zip codes nearby 32439.
Review average rates in another zip code:
32439 homeowners insurance rates

Home Replacement Cost Coverage in 32439

Average Building Cost Per Square Foot in 32439: $167

Location: Freeport, Florida (Walton County)

Average Square Footage in 32439: 1,543 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32439 before you start any project. Freeport 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 32439 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 32439 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,543 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 Freeport 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$1671,543$257,700
Additional Upgrades & Added Features$2091,543$322,125
Major Home Updates or Advancements$2511,543$386,550

It's important to understand that when you estimate your replacement cost of your home in the 32439 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 32439

Best Home & Auto Insurance Agencies in 32439

Housing Demographics for 32439

Population Review for 32439 Zip Code

For the city of Freeport, the population within 32439 has increased to over 18,857 residents in population size. The current population total is 12,943. We have broken down the population based on race below. In 32439, there are over 6447 in male population and 6496 females.

Total Population12,943
White Population10745
Black Population258
Hispanic Population1297
Asian Population143
Hawaiian Population13
Indian Population126
Other Population572
Male Population6447
Female Population6496
Population Estimate18857

Household Data for 32439

The average number of homes in 32439 is around 4,990, there are an average of 2.59 per household. The average house value according to local real estate values is around $257,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,990
Persons Per Household2.59
Average House Value$257,700
Income Per Household$68341
Median Age40.7
Median Age Male40.3
Median Age Female41.1
32439 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
City Alias NameFREEPORT
County FIPS131
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses309
Number Of Employees2061
Business First Quarter Payroll21763
Business Annual Payroll97592
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 Residential7281
Delivery Business244
Delivery Total7832
Preferred Last Line KeyY21896
Classification Code
CSA Name
City State KeyY21896
Land Area96.500000
Water Area2.924000
City Alias Code
City Mixed CaseFreeport
City Alias Mixed CaseFreeport
Box Count242
State ANSI12
County ANSI131
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number113165
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

  • 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: […]