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Home Insurance in 32504

If your primary reason for shopping for homeowners insurance in the 32504 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Pensacola, FL. Many homeowners that live in the 32504 zip code have found it very easy to shop with For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 32504 zip code should already appear in the zip code field ready to go. For Pensacola, FL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 32504

Homeowners living in the city of Pensacola are paying on average around $1645 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 32504 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Florida home insurance premiums have been recently ranked 1 in the country in terms of the annual cost of premiums. Because premiums in 32504 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 32504 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Pensacola. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

32504 Home Insurance Average Premiums

Local 32504 homeowners insurance quotes comparison

$1395 /yr.

Shows Zip Code: 32504 lowest rates with discounts applied on average.

For the 32504, 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)
$1395 /yr.
Average Coverage:$1645 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1945 /yr.

What is the average home insurance cost for a home in 32504?

  • • The average homeowners insurance premium paid annually for a home in 32504 is around $1645 per year.

What does it cost on average per month for home insurance in 32504?

  • • Homeowners in 32504 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32504?

  • • Autoowners in 32504 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 32504.
Review average rates in another zip code:
32506 homeowners insurance rates
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32511 homeowners insurance rates
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32501 homeowners insurance rates
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32514 homeowners insurance rates
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32507 homeowners insurance rates

Home Replacement Cost Coverage in 32504

Average Building Cost Per Square Foot in 32504: $167

Location: Pensacola, Florida (Escambia County)

Average Square Footage in 32504: 1,219 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32504 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 32504 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 32504 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,219 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$1671,219$203,500
Additional Upgrades & Added Features$2091,219$254,375
Major Home Updates or Advancements$2511,219$305,250

It's important to understand that when you estimate your replacement cost of your home in the 32504 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 32504

American National

Address: 6706 North 9th Avenue Pensacola, FL 32504
Phone: (850)471-9525

Affordable Insurance Group

Address: 1813 Creighton Road # D Pensacola, FL 32504
Phone: (850)478-7999

Best Home & Auto Insurance Agencies in 32504

Affordable Insurance Group

Address: 1813 Creighton Rd Pensacola, FL 32504

Allstate Insurance Companies

Address: 6847 N 9th Ave Pensacola, FL 32504

Brooke Insurance & Financial Services

Address: 2740 Creighton Rd Pensacola, FL 32504

Allstate Insurance Company - Ron Jones

Address: 1175 College Blvd Pensacola, FL 32504

Affordable Insurance & Financial Services, LLC

Address: 1727 Creighton Rd Pensacola, FL 32504

Housing Demographics for 32504

Population Review for 32504 Zip Code

For the city of Pensacola, the population within 32504 has increased to over 23,110 residents in population size. The current population total is 21,791. We have broken down the population based on race below. In 32504, there are over 10218 in male population and 11573 females.

Total Population21,791
White Population15834
Black Population2848
Hispanic Population1314
Asian Population839
Hawaiian Population26
Indian Population106
Other Population379
Male Population10218
Female Population11573
Population Estimate23110

Household Data for 32504

The average number of homes in 32504 is around 9,888, there are an average of 2.18 per household. The average house value according to local real estate values is around $203,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,888
Persons Per Household2.18
Average House Value$203,500
Income Per Household$64147
Median Age42.6
Median Age Male40.5
Median Age Female44.8
32504 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
City Alias NamePENSACOLA
County FIPS033
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1039
Number Of Employees19295
Business First Quarter Payroll200539
Business Annual Payroll873442
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 Residential10601
Delivery Business1123
Delivery Total13914
Preferred Last Line KeyY22688
Classification Code
CSA Name
City State KeyY22688
Land Area10.490000
Water Area0.041000
City Alias Code
City Mixed CasePensacola
City Alias Mixed CasePensacola
Box Count0
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

  • 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 […]

  • 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 […]