Get multiple home insurance quotes in 32541. Our licensed 32541, FL agents are ready to serve you.

32541 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 32541 is very time consuming. At, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Destin, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 32541 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Destin homeowners insurance rates, coverage options or home insurance types, please select Destin, FL Home Insurance Rates Online!

32541 Home Insurance Average Premiums

Local 32541 homeowners insurance quotes comparison

$1357 /yr.

Shows Zip Code: 32541 lowest rates with discounts applied on average.

For the 32541, 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)
$1357 /yr.
Average Coverage:$1607 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1907 /yr.

What is the average home insurance cost for a home in 32541?

  • • The average homeowners insurance premium paid annually for a home in 32541 is around $1607 per year.

What does it cost on average per month for home insurance in 32541?

  • • Homeowners in 32541 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 32541?

  • • Autoowners in 32541 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 Destin area, check out other zip codes nearby 32541.
Review average rates in another zip code:
32541 homeowners insurance rates

Home Replacement Cost Coverage in 32541

Average Building Cost Per Square Foot in 32541: $167

Location: Destin, Florida (Okaloosa County)

Average Square Footage in 32541: 2,381 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32541 before you start any project. Destin 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 32541 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 32541 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,381 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 Destin 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$1672,381$397,700
Additional Upgrades & Added Features$2092,381$497,125
Major Home Updates or Advancements$2512,381$596,550

It's important to understand that when you estimate your replacement cost of your home in the 32541 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 32541

Best Home & Auto Insurance Agencies in 32541

Allstate Insurance Companies

Address: 3997 Commons Dr W Destin, FL 32541

Housing Demographics for 32541

Population Review for 32541 Zip Code

For the city of Destin, the population within 32541 has increased to over 34,555 residents in population size. The current population total is 18,419. We have broken down the population based on race below. In 32541, there are over 9205 in male population and 9214 females.

Total Population18,419
White Population14829
Black Population504
Hispanic Population1557
Asian Population502
Hawaiian Population17
Indian Population64
Other Population570
Male Population9205
Female Population9214
Population Estimate34555

Household Data for 32541

The average number of homes in 32541 is around 8,085, there are an average of 2.26 per household. The average house value according to local real estate values is around $397,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,085
Persons Per Household2.26
Average House Value$397,700
Income Per Household$84319
Median Age44.3
Median Age Male42.8
Median Age Female45.9
32541 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
City Alias NameDESTIN
County FIPS091
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
MSA_NameFort Walton Beach, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1345
Number Of Employees13322
Business First Quarter Payroll120950
Business Annual Payroll553028
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population180822
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential15290
Delivery Business1395
Delivery Total15857
Preferred Last Line KeyY21708
Classification Code
CSA Name
City State KeyY21708
Land Area12.349000
Water Area6.678000
City Alias Code
City Mixed CaseDestin
City Alias Mixed CaseDestin
Box Count0
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112250
Unique ZIP Name
SSA State County Code10450
Medicare CBSA Code18880
Medicare CBSA NameCrestview-Fort Walton Beach-Destin, FL
Medicare CBSA TypeMetro
Market Rating Area ID46
County Mixed CaseOkaloosa

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]