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Homeowners Insurance coverage in 32547

If you are a homeowner in 32547 or Fort Walton Beach, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Fort Walton Beach.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32547.

Learn more about our homeowners insurance shopping service by selecting the best Fort Walton Beach, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32547?

Residents of Fort Walton Beach have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32547 zipcode, expect to pay around $1602 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Fort Walton Beach does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32547 Home Insurance Average Premiums

Local 32547 homeowners insurance quotes comparison

$1352 /yr.

Shows Zip Code: 32547 lowest rates with discounts applied on average.

For the 32547, 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)
$1352 /yr.
Average Coverage:$1602 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1902 /yr.

What is the average home insurance cost for a home in 32547?

  • • The average homeowners insurance premium paid annually for a home in 32547 is around $1602 per year.

What does it cost on average per month for home insurance in 32547?

  • • Homeowners in 32547 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 32547?

  • • Autoowners in 32547 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 Fort Walton Beach area, check out other zip codes nearby 32547.
Review average rates in another zip code:
32548 homeowners insurance rates
32547 homeowners insurance rates

Home Replacement Cost Coverage in 32547

Average Building Cost Per Square Foot in 32547: $167

Location: Fort Walton Beach, Florida (Okaloosa County)

Average Square Footage in 32547: 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 32547 before you start any project. Fort Walton Beach 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 32547 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 32547 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 Fort Walton Beach 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$209,800
Additional Upgrades & Added Features$2091,256$262,250
Major Home Updates or Advancements$2511,256$314,700

It's important to understand that when you estimate your replacement cost of your home in the 32547 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 32547

Best Home & Auto Insurance Agencies in 32547

Allstate Insurance-Steve Baxter Insurance- Inc.

Address: 652 Beal Pky NW Fort Walton Beach, FL 32547
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance - Stephen Mc Mullen

Address: 240 Eglin Pky NE Fort Walton Beach, FL 32547
Phone:
Website:
Info:

Housing Demographics for 32547

Population Review for 32547 Zip Code

For the city of Fort Walton Beach, the population within 32547 has increased to over 37,299 residents in population size. The current population total is 35,466. We have broken down the population based on race below. In 32547, there are over 17695 in male population and 17771 females.

PopulationValues
Total Population35,466
White Population22021
Black Population4229
Hispanic Population6045
Asian Population1584
Hawaiian Population80
Indian Population269
Other Population2610
Male Population17695
Female Population17771
Population Estimate37299

Household Data for 32547

The average number of homes in 32547 is around 15,022, there are an average of 2.34 per household. The average house value according to local real estate values is around $209,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,022
Persons Per Household2.34
Average House Value$209,800
Income Per Household$55853
Median Age36.3
Median Age Male34.9
Median Age Female38.2
32547 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias AbbreviationFT WALTON BCH
Area Code850/448
CityFort Walton Beach
City Alias NameFORT WALTON BEACH
CountyOkaloosa
County FIPS091
State FIPS12
Time Zone6
Day Light SavingY
MSA2750
PMSA
CSA
CBSA18880
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
MSA_NameFort Walton Beach, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses818
Number Of Employees8870
Business First Quarter Payroll102902
Business Annual Payroll454316
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 Residential15940
Delivery Business1049
Delivery Total17115
Preferred Last Line KeyY21891
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21891
Land Area28.987000
Water Area1.204000
City Alias Code
City Mixed CaseFort Walton Beach
City Alias Mixed CaseFort Walton Beach
Box Count5
SFDU7610
MFDU1138
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113120
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

  • 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 […]