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Quickly Revew Homeowners Insurance in 32565

If you own a home in Jay, FL you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 32565 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Florida licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 32565 and start comparing rates now.

32565 Homeowners Insurance Rates Are Considered: very high!

The average rate for a standard homeowners policy in 32565 is $2023 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 32565 Home Insurance Rate Quotes Right Now!

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

32565 Home Insurance Average Premiums

Local 32565 homeowners insurance quotes comparison

$1773 /yr.

Shows Zip Code: 32565 lowest rates with discounts applied on average.

For the 32565, 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)
$1773 /yr.
Average Coverage:$2023 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2323 /yr.

What is the average home insurance cost for a home in 32565?

  • • The average homeowners insurance premium paid annually for a home in 32565 is around $2023 per year.

What does it cost on average per month for home insurance in 32565?

  • • Homeowners in 32565 pay a monthly average cost per month around $169.00.

What kind of discount could I get if I combine my home and auto insurance together in 32565?

  • • Autoowners in 32565 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.

You can easily shop and compare home insurance rates within Jay, check out other zip codes nearby 32565.
To review average rates in another zip code, click on a zip code below:
32565  | 

Home Replacement Cost Coverage in 32565

Average Building Cost Per Square Foot in 32565: $167

Location: Jay, Florida (Santa Rosa County)

Average Square Footage in 32565: 870 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32565 before you start any project. Jay 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 32565 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 32565 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 870 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 Jay 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$167870$145,300
Additional Upgrades & Added Features$209870$181,625
Major Home Updates or Advancements$251870$217,950

It's important to understand that when you estimate your replacement cost of your home in the 32565 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 32565

Best Home & Auto Insurance Agencies in 32565

Housing Demographics for 32565

Population Review for 32565 Zip Code

For the city of Jay, the population within 32565 has increased to over 7,156 residents in population size. The current population total is 6,105. We have broken down the population based on race below. In 32565, there are over 3038 in male population and 3067 females.

PopulationValues
Total Population6,105
White Population5560
Black Population35
Hispanic Population97
Asian Population31
Hawaiian Population6
Indian Population89
Other Population29
Male Population3038
Female Population3067
Population Estimate7156

Household Data for 32565

The average number of homes in 32565 is around 2,349, there are an average of 2.59 per household. The average house value according to local real estate values is around $145,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,349
Persons Per Household2.59
Average House Value$145,300
Income Per Household$65313
Median Age42.4
Median Age Male41.8
Median Age Female43.0
32565 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityJay
City Alias NameJAY
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 Businesses116
Number Of Employees855
Business First Quarter Payroll7180
Business Annual Payroll32085
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 Residential2763
Delivery Business103
Delivery Total3178
Preferred Last Line KeyY22143
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22143
Land Area230.370000
Water Area2.378000
City Alias Code
City Mixed CaseJay
City Alias Mixed CaseJay
Box Count200
SFDU2686
MFDU0
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114440
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

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    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]