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Searching for Homeowners Insurance in 32566

If you are a homeowners that lives in 32566 you may be searching for more affordable homeowners insurance in Navarre. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Navarre, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

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Get 32566 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 Navarre, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 32566 Home Insurance Costs: very high!

In Navarre, homeowners are paying roughly $1579 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 32566 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Navarre are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 32566 policy right now!

32566 Home Insurance Average Premiums

Local 32566 homeowners insurance quotes comparison

$1329 /yr.

Shows Zip Code: 32566 lowest rates with discounts applied on average.

For the 32566, 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)
$1329 /yr.
Average Coverage:$1579 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1879 /yr.

What is the average home insurance cost for a home in 32566?

  • • The average homeowners insurance premium paid annually for a home in 32566 is around $1579 per year.

What does it cost on average per month for home insurance in 32566?

  • • Homeowners in 32566 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32566?

  • • Autoowners in 32566 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 Navarre area, check out other zip codes nearby 32566.
Review average rates in another zip code:
32566 homeowners insurance rates

Home Replacement Cost Coverage in 32566

Average Building Cost Per Square Foot in 32566: $167

Location: Navarre, Florida (Santa Rosa County)

Average Square Footage in 32566: 1,619 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32566 before you start any project. Navarre 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 32566 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 32566 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,619 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 Navarre 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$1671,619$270,400
Additional Upgrades & Added Features$2091,619$338,000
Major Home Updates or Advancements$2511,619$405,600

It's important to understand that when you estimate your replacement cost of your home in the 32566 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 32566

Best Home & Auto Insurance Agencies in 32566

Allstate Insurance Company - Orlando Hislop

Address: 1760 Sea Lark Ln Navarre, FL 32566
Phone:
Website: http://www.allstateagencies.com/041832?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance - Phyllis J Bearman

Address: 7552 Navarre Pkwy #53 Gulf Breeze, FL 32566
Phone:
Website:
Info:

Housing Demographics for 32566

Population Review for 32566 Zip Code

For the city of Navarre, the population within 32566 has increased to over 50,819 residents in population size. The current population total is 44,434. We have broken down the population based on race below. In 32566, there are over 22222 in male population and 22212 females.

PopulationValues
Total Population44,434
White Population33646
Black Population2801
Hispanic Population4101
Asian Population1421
Hawaiian Population137
Indian Population296
Other Population1307
Male Population22222
Female Population22212
Population Estimate50819

Household Data for 32566

The average number of homes in 32566 is around 16,422, there are an average of 2.70 per household. The average house value according to local real estate values is around $270,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,422
Persons Per Household2.70
Average House Value$270,400
Income Per Household$90381
Median Age38.3
Median Age Male37.4
Median Age Female39.2
32566 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias Abbreviation
Area Code850/448
CityNavarre
City Alias NameNAVARRE
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 Businesses572
Number Of Employees4852
Business First Quarter Payroll36512
Business Annual Payroll167795
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 Residential18822
Delivery Business551
Delivery Total19784
Preferred Last Line KeyY22480
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22480
Land Area39.169000
Water Area12.862000
City Alias Code
City Mixed CaseNavarre
City Alias Mixed CaseNavarre
Box Count363
SFDU16020
MFDU379
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeB
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 […]