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If you live in the 32462 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Vernon have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32462 and then compare quotes from a variety of nationwide insurance companies.

32462 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32462 the average premium for homeowners coverage is $1610 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32462. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

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32462 Home Insurance Average Premiums

Local 32462 homeowners insurance quotes comparison

$1360 /yr.

Shows Zip Code: 32462 lowest rates with discounts applied on average.

For the 32462, 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)
$1360 /yr.
Average Coverage:$1610 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1910 /yr.

What is the average home insurance cost for a home in 32462?

  • • The average homeowners insurance premium paid annually for a home in 32462 is around $1610 per year.

What does it cost on average per month for home insurance in 32462?

  • • Homeowners in 32462 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 32462?

  • • Autoowners in 32462 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 Vernon area, check out other zip codes nearby 32462.
Review average rates in another zip code:
32462 homeowners insurance rates

Home Replacement Cost Coverage in 32462

Average Building Cost Per Square Foot in 32462: $167

Location: Vernon, Florida (Washington County)

Average Square Footage in 32462: 671 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32462 before you start any project. Vernon 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 32462 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 32462 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 671 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 Vernon 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$167671$112,000
Additional Upgrades & Added Features$209671$140,000
Major Home Updates or Advancements$251671$168,000

It's important to understand that when you estimate your replacement cost of your home in the 32462 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 32462

Best Home & Auto Insurance Agencies in 32462

Housing Demographics for 32462

Population Review for 32462 Zip Code

For the city of Vernon, the population within 32462 has increased to over 3,409 residents in population size. The current population total is 3,473. We have broken down the population based on race below. In 32462, there are over 1710 in male population and 1763 females.

PopulationValues
Total Population3,473
White Population2616
Black Population472
Hispanic Population111
Asian Population15
Hawaiian Population5
Indian Population80
Other Population59
Male Population1710
Female Population1763
Population Estimate3409

Household Data for 32462

The average number of homes in 32462 is around 1,476, there are an average of 2.31 per household. The average house value according to local real estate values is around $112,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,476
Persons Per Household2.31
Average House Value$112,000
Income Per Household$33507
Median Age47.4
Median Age Male47.2
Median Age Female47.8
32462 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityVernon
City Alias NameVERNON
CountyWashington
County FIPS133
State FIPS12
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA37460
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePanama City-Panama City Beach, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses43
Number Of Employees191
Business First Quarter Payroll1243
Business Annual Payroll5648
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 Residential1476
Delivery Business33
Delivery Total3378
Preferred Last Line KeyY23167
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY23167
Land Area153.998000
Water Area7.624000
City Alias Code
City Mixed CaseVernon
City Alias Mixed CaseVernon
Box Count225
SFDU1460
MFDU0
State ANSI12
County ANSI133
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119195
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 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 […]