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32442 Home Insurance Rates

For homeowners living in 32442, the population estimates are increasing to well over 3,569 with 1,439 occupied homes within the zip code of 32442. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Grand Ridge have increased and the average home insurance premium is around $1,599 per year in 32442. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 32442 zip code today so we can help you find affordable Grand Ridge, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32442

Please select one of the three options below based on your 32442 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Jackson County, FL Home Insurance
  3. Grand Ridge, FL Home Insurance Quotes

32442 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32442 zip code just got easier with of Grand Ridge, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 32442 today and let us help you review the best home insurance quotes available for homeowners living in Grand Ridge.

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32442 Home Insurance Average Premiums

Local 32442 homeowners insurance quotes comparison

$1349 /yr.

Shows Zip Code: 32442 lowest rates with discounts applied on average.

For the 32442, 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)
$1349 /yr.
Average Coverage:$1599 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1899 /yr.

What is the average home insurance cost for a home in 32442?

  • • The average homeowners insurance premium paid annually for a home in 32442 is around $1599 per year.

What does it cost on average per month for home insurance in 32442?

  • • Homeowners in 32442 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32442?

  • • Autoowners in 32442 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 Grand Ridge area, check out other zip codes nearby 32442.
Review average rates in another zip code:
32442 homeowners insurance rates

Home Replacement Cost Coverage in 32442

Average Building Cost Per Square Foot in 32442: $167

Location: Grand Ridge, Florida (Jackson County)

Average Square Footage in 32442: 735 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32442 before you start any project. Grand Ridge 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 32442 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 32442 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 735 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 Grand Ridge 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$167735$122,800
Additional Upgrades & Added Features$209735$153,500
Major Home Updates or Advancements$251735$184,200

It's important to understand that when you estimate your replacement cost of your home in the 32442 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 32442

Best Home & Auto Insurance Agencies in 32442

Housing Demographics for 32442

Population Review for 32442 Zip Code

For the city of Grand Ridge, the population within 32442 has increased to over 4,010 residents in population size. The current population total is 3,569. We have broken down the population based on race below. In 32442, there are over 1774 in male population and 1795 females.

Total Population3,569
White Population2956
Black Population362
Hispanic Population97
Asian Population10
Hawaiian Population1
Indian Population20
Other Population30
Male Population1774
Female Population1795
Population Estimate4010

Household Data for 32442

The average number of homes in 32442 is around 1,439, there are an average of 2.48 per household. The average house value according to local real estate values is around $122,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,439
Persons Per Household2.48
Average House Value$122,800
Income Per Household$41667
Median Age43.2
Median Age Male41.8
Median Age Female44.4
32442 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityGrand Ridge
City Alias NameGRAND RIDGE
County FIPS063
State FIPS12
Time Zone6
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses30
Number Of Employees79
Business First Quarter Payroll418
Business Annual Payroll2358
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 Residential1617
Delivery Business31
Delivery Total1986
Preferred Last Line KeyY21963
Classification Code
CSA Name
City State KeyY21963
Land Area94.381000
Water Area6.703000
City Alias Code
City Mixed CaseGrand Ridge
City Alias Mixed CaseGrand Ridge
Box Count169
State ANSI12
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number113510
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 […]