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32530 Home Insurance Rates

For homeowners living in 32530, the population estimates are increasing to well over 142 with 60 occupied homes within the zip code of 32530. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Bagdad have increased and the average home insurance premium is around $1,630 per year in 32530. 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 32530 zip code today so we can help you find affordable Bagdad, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32530

Please select one of the three options below based on your 32530 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. Santa Rosa County, FL Home Insurance
  3. Bagdad, FL Home Insurance Quotes

32530 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32530 zip code just got easier with GetHomeInsuranceQuotes.com of Bagdad, 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 32530 today and let us help you review the best home insurance quotes available for homeowners living in Bagdad.

Get 32530 Homeowners Insurance Rates Now!

32530 Home Insurance Average Premiums

Local 32530 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32530 lowest rates with discounts applied on average.

For the 32530, 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 32530?

  • • The average homeowners insurance premium paid annually for a home in 32530 is around $1630 per year.

What does it cost on average per month for home insurance in 32530?

  • • Homeowners in 32530 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 32530?

  • • Autoowners in 32530 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 Bagdad area, check out other zip codes nearby 32530.
Review average rates in another zip code:

Home Replacement Cost Coverage in 32530

Average Building Cost Per Square Foot in 32530: $167

Location: Bagdad, Florida (Santa Rosa County)

Average Square Footage in 32530: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32530 before you start any project. Bagdad 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 32530 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 32530 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 Bagdad 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 32530 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 32530

Best Home & Auto Insurance Agencies in 32530

Housing Demographics for 32530

Population Review for 32530 Zip Code

For the city of Bagdad, the population within 32530 has increased to over 0 residents in population size. The current population total is 142. We have broken down the population based on race below. In 32530, there are over 67 in male population and 75 females.

PopulationValues
Total Population142
White Population106
Black Population9
Hispanic Population15
Asian Population0
Hawaiian Population0
Indian Population8
Other Population0
Male Population67
Female Population75
Population Estimate0

Household Data for 32530

The average number of homes in 32530 is around 60, there are an average of 2.37 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 Zipcode60
Persons Per Household2.37
Average House Value$165,000
Income Per Household$0
Median Age39.6
Median Age Male45.1
Median Age Female35.5
32530 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code850
CityBagdad
City Alias NameBAGDAD
CountySanta Rosa
County FIPS113
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 Businesses6
Number Of Employees23
Business First Quarter Payroll104
Business Annual Payroll497
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 Residential0
Delivery Business0
Delivery Total5488
Preferred Last Line KeyY21399
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21399
Land Area0.796000
Water Area0.624000
City Alias Code
City Mixed CaseBagdad
City Alias Mixed CaseBagdad
Box Count264
SFDU0
MFDU0
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number110450
Unique ZIP Name
SSA State County Code10560
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID55
County Mixed CaseSanta Rosa

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 […]