Get multiple home insurance quotes in 32508. Our licensed 32508, FL agents are ready to serve you.

Home Insurance Rates in 32508

For homeowners shopping online in 32508, our insurance rates are very competitive for homeowners living in Pensacola, FL. Many homeowners based out of the great city of Pensacola have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32508, simply click the "Get Multiple Quotes Now" button. Your 32508 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Pensacola, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32508 Home Insurance Rating is: Very High!

If you live in 32508, you can easily save up to 40% off the average home insurance premium of $1630 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Pensacola can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32508 today!

Get Multiple Home Insurance Rates in 32508!

32508 Home Insurance Average Premiums

Local 32508 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32508 lowest rates with discounts applied on average.

For the 32508, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32508?

  • • The average homeowners insurance premium paid annually for a home in 32508 is around $1630 per year.

What does it cost on average per month for home insurance in 32508?

  • • Homeowners in 32508 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32508?

  • • Autoowners in 32508 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 32508.
Review average rates in another zip code:
32514 homeowners insurance rates
32511 homeowners insurance rates
32534 homeowners insurance rates
32503 homeowners insurance rates
32508 homeowners insurance rates
32526 homeowners insurance rates
32509 homeowners insurance rates
32501 homeowners insurance rates
32504 homeowners insurance rates
32505 homeowners insurance rates

Home Replacement Cost Coverage in 32508

Average Building Cost Per Square Foot in 32508: $167

Location: Pensacola, Florida (Escambia County)

Average Square Footage in 32508: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32508 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 32508 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 32508 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32508 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 32508

Best Home & Auto Insurance Agencies in 32508

Housing Demographics for 32508

Population Review for 32508 Zip Code

For the city of Pensacola, the population within 32508 has increased to over 2,012 residents in population size. The current population total is 5,528. We have broken down the population based on race below. In 32508, there are over 4343 in male population and 1185 females.

PopulationValues
Total Population5,528
White Population3975
Black Population590
Hispanic Population1161
Asian Population168
Hawaiian Population1
Indian Population18
Other Population415
Male Population4343
Female Population1185
Population Estimate2012

Household Data for 32508

The average number of homes in 32508 is around 386, there are an average of 3.13 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode386
Persons Per Household3.13
Average House Value$165,000
Income Per Household$53063
Median Age22.7
Median Age Male22.5
Median Age Female23.2
32508 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
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 Businesses44
Number Of Employees1133
Business First Quarter Payroll15540
Business Annual Payroll67399
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 Residential643
Delivery Business22
Delivery Total3233
Preferred Last Line KeyY22688
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22688
Land Area7.214000
Water Area0.994000
City Alias Code
City Mixed CasePensacola
City Alias Mixed CasePensacola
Box Count0
SFDU209
MFDU0
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 […]