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Check Out 32502 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Pensacola, FL.

We will gather some basic information about your home in Pensacola, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 32502 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 32502

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Pensacola, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

32502 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 32502 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1601. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 32502 homeowners insurance policy!

32502 Home Insurance Average Premiums

Local 32502 homeowners insurance quotes comparison

$1351 /yr.

Shows Zip Code: 32502 lowest rates with discounts applied on average.

For the 32502, 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)
$1351 /yr.
Average Coverage:$1601 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1901 /yr.

What is the average home insurance cost for a home in 32502?

  • • The average homeowners insurance premium paid annually for a home in 32502 is around $1601 per year.

What does it cost on average per month for home insurance in 32502?

  • • Homeowners in 32502 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 32502?

  • • Autoowners in 32502 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 Pensacola area, check out other zip codes nearby 32502.
Review average rates in another zip code:
32508 homeowners insurance rates
32514 homeowners insurance rates
32534 homeowners insurance rates
32504 homeowners insurance rates
32502 homeowners insurance rates
32526 homeowners insurance rates
32509 homeowners insurance rates
32501 homeowners insurance rates
32507 homeowners insurance rates
32505 homeowners insurance rates

Home Replacement Cost Coverage in 32502

Average Building Cost Per Square Foot in 32502: $167

Location: Pensacola, Florida (Escambia County)

Average Square Footage in 32502: 1,256 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32502 before you start any project. Pensacola 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 32502 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 32502 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,256 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 Pensacola 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$1671,256$209,700
Additional Upgrades & Added Features$2091,256$262,125
Major Home Updates or Advancements$2511,256$314,550

It's important to understand that when you estimate your replacement cost of your home in the 32502 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 32502

Best Home & Auto Insurance Agencies in 32502

Housing Demographics for 32502

Population Review for 32502 Zip Code

For the city of Pensacola, the population within 32502 has increased to over 4,870 residents in population size. The current population total is 4,277. We have broken down the population based on race below. In 32502, there are over 2211 in male population and 2066 females.

PopulationValues
Total Population4,277
White Population2966
Black Population888
Hispanic Population192
Asian Population84
Hawaiian Population6
Indian Population22
Other Population40
Male Population2211
Female Population2066
Population Estimate4870

Household Data for 32502

The average number of homes in 32502 is around 2,073, there are an average of 1.89 per household. The average house value according to local real estate values is around $209,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,073
Persons Per Household1.89
Average House Value$209,700
Income Per Household$60113
Median Age46.3
Median Age Male46.2
Median Age Female46.4
32502 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityPensacola
City Alias NamePENSACOLA
CountyEscambia
County FIPS033
State FIPS12
Time Zone6
Day Light SavingY
MSA6080
PMSA
CSA
CBSA37860
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses692
Number Of Employees8941
Business First Quarter Payroll126718
Business Annual Payroll536015
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population448991
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential2577
Delivery Business1136
Delivery Total4299
Preferred Last Line KeyY22688
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22688
Land Area2.681000
Water Area0.096000
City Alias Code
City Mixed CasePensacola
City Alias Mixed CasePensacola
Box Count0
SFDU1747
MFDU135
State ANSI12
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number117410
Unique ZIP Name
SSA State County Code10160
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseEscambia

Florida Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • 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 […]