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If you live in the 32561 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Gulf Breeze have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32561 and then compare quotes from a variety of nationwide insurance companies.

32561 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32561 the average premium for homeowners coverage is $1666 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32561. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 32561 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Gulf Breeze, FL home insurance quotes in your area.

32561 Home Insurance Average Premiums

Local 32561 homeowners insurance quotes comparison

$1416 /yr.

Shows Zip Code: 32561 lowest rates with discounts applied on average.

For the 32561, 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)
$1416 /yr.
Average Coverage:$1666 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1966 /yr.

What is the average home insurance cost for a home in 32561?

  • • The average homeowners insurance premium paid annually for a home in 32561 is around $1666 per year.

What does it cost on average per month for home insurance in 32561?

  • • Homeowners in 32561 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32561?

  • • Autoowners in 32561 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 Gulf Breeze area, check out other zip codes nearby 32561.
Review average rates in another zip code:
32561 homeowners insurance rates
32563 homeowners insurance rates

Home Replacement Cost Coverage in 32561

Average Building Cost Per Square Foot in 32561: $167

Location: Gulf Breeze, Florida (Santa Rosa County)

Average Square Footage in 32561: 2,777 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32561 before you start any project. Gulf Breeze 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 32561 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 32561 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,777 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 Gulf Breeze 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$1672,777$463,800
Additional Upgrades & Added Features$2092,777$579,750
Major Home Updates or Advancements$2512,777$695,700

It's important to understand that when you estimate your replacement cost of your home in the 32561 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 32561

Best Home & Auto Insurance Agencies in 32561

Housing Demographics for 32561

Population Review for 32561 Zip Code

For the city of Gulf Breeze, the population within 32561 has increased to over 10,390 residents in population size. The current population total is 9,241. We have broken down the population based on race below. In 32561, there are over 4464 in male population and 4777 females.

Total Population9,241
White Population8358
Black Population34
Hispanic Population368
Asian Population127
Hawaiian Population4
Indian Population34
Other Population70
Male Population4464
Female Population4777
Population Estimate10390

Household Data for 32561

The average number of homes in 32561 is around 4,000, there are an average of 2.31 per household. The average house value according to local real estate values is around $463,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,000
Persons Per Household2.31
Average House Value$463,800
Income Per Household$108205
Median Age51.3
Median Age Male50.6
Median Age Female51.9
32561 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityGulf Breeze
City Alias NameGULF BREEZE
CountySanta Rosa
County FIPS113
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses500
Number Of Employees6174
Business First Quarter Payroll58294
Business Annual Payroll249716
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 Residential4498
Delivery Business366
Delivery Total4745
Preferred Last Line KeyY21984
Classification Code
CSA Name
City State KeyY21984
Land Area12.038000
Water Area26.420000
City Alias Code
City Mixed CaseGulf Breeze
City Alias Mixed CaseGulf Breeze
Box Count0
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113660
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

  • 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 […]