Get multiple home insurance quotes in 32563. Our licensed 32563, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 32563

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 32563, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Gulf Breeze, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 32563 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 32563

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Gulf Breeze, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

32563 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Gulf Breeze we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 32563, homeowners are seeing rates around 1659 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 32563!

32563 Home Insurance Average Premiums

Local 32563 homeowners insurance quotes comparison

$1409 /yr.

Shows Zip Code: 32563 lowest rates with discounts applied on average.

For the 32563, 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)
$1409 /yr.
Average Coverage:$1659 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1959 /yr.

What is the average home insurance cost for a home in 32563?

  • • The average homeowners insurance premium paid annually for a home in 32563 is around $1659 per year.

What does it cost on average per month for home insurance in 32563?

  • • Homeowners in 32563 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32563?

  • • Autoowners in 32563 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 32563.
Review average rates in another zip code:
32563 homeowners insurance rates
32561 homeowners insurance rates

Home Replacement Cost Coverage in 32563

Average Building Cost Per Square Foot in 32563: $167

Location: Gulf Breeze, Florida (Santa Rosa County)

Average Square Footage in 32563: 1,702 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32563 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 32563 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 32563 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,702 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$1671,702$284,200
Additional Upgrades & Added Features$2091,702$355,250
Major Home Updates or Advancements$2511,702$426,300

It's important to understand that when you estimate your replacement cost of your home in the 32563 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 32563

Best Home & Auto Insurance Agencies in 32563

Allstate Insurance Companies

Address: 4317 Gulf Breeze Pky Gulf Breeze, FL 32563
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

Housing Demographics for 32563

Population Review for 32563 Zip Code

For the city of Gulf Breeze, the population within 32563 has increased to over 32,143 residents in population size. The current population total is 27,329. We have broken down the population based on race below. In 32563, there are over 13370 in male population and 13959 females.

PopulationValues
Total Population27,329
White Population23105
Black Population579
Hispanic Population1757
Asian Population684
Hawaiian Population35
Indian Population127
Other Population473
Male Population13370
Female Population13959
Population Estimate32143

Household Data for 32563

The average number of homes in 32563 is around 10,910, there are an average of 2.49 per household. The average house value according to local real estate values is around $284,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,910
Persons Per Household2.49
Average House Value$284,200
Income Per Household$87054
Median Age43.4
Median Age Male41.8
Median Age Female44.9
32563 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityGulf Breeze
City Alias NameGULF BREEZE
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 Businesses602
Number Of Employees4663
Business First Quarter Payroll44598
Business Annual Payroll215787
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 Residential12909
Delivery Business509
Delivery Total13352
Preferred Last Line KeyY21984
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21984
Land Area16.636000
Water Area10.011000
City Alias Code
City Mixed CaseGulf Breeze
City Alias Mixed CaseGulf Breeze
Box Count1
SFDU8710
MFDU394
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

  • 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 […]