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Are you paying too much for homeowners insurance in 32567? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Laurel Hill, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 32567?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 32567 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 32567 and get ready to save.

3 Easy Ways To Save Money In 32567

These three links will help you explore home insurance quotes in 32567 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 32567 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Laurel Hill is roughly $1606. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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32567 Home Insurance Average Premiums

Local 32567 homeowners insurance quotes comparison

$1356 /yr.

Shows Zip Code: 32567 lowest rates with discounts applied on average.

For the 32567, 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)
$1356 /yr.
Average Coverage:$1606 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1906 /yr.

What is the average home insurance cost for a home in 32567?

  • • The average homeowners insurance premium paid annually for a home in 32567 is around $1606 per year.

What does it cost on average per month for home insurance in 32567?

  • • Homeowners in 32567 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 32567?

  • • Autoowners in 32567 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 Laurel Hill area, check out other zip codes nearby 32567.
Review average rates in another zip code:
32567 homeowners insurance rates

Home Replacement Cost Coverage in 32567

Average Building Cost Per Square Foot in 32567: $167

Location: Laurel Hill, Florida (Okaloosa County)

Average Square Footage in 32567: 973 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32567 before you start any project. Laurel Hill 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 32567 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 32567 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 973 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 Laurel Hill 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$167973$162,500
Additional Upgrades & Added Features$209973$203,125
Major Home Updates or Advancements$251973$243,750

It's important to understand that when you estimate your replacement cost of your home in the 32567 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 32567

Best Home & Auto Insurance Agencies in 32567

Housing Demographics for 32567

Population Review for 32567 Zip Code

For the city of Laurel Hill, the population within 32567 has increased to over 5,509 residents in population size. The current population total is 4,210. We have broken down the population based on race below. In 32567, there are over 2106 in male population and 2104 females.

PopulationValues
Total Population4,210
White Population3442
Black Population262
Hispanic Population219
Asian Population32
Hawaiian Population0
Indian Population41
Other Population62
Male Population2106
Female Population2104
Population Estimate5509

Household Data for 32567

The average number of homes in 32567 is around 1,599, there are an average of 2.63 per household. The average house value according to local real estate values is around $162,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,599
Persons Per Household2.63
Average House Value$162,500
Income Per Household$63289
Median Age44.5
Median Age Male43.8
Median Age Female45.1
32567 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityLaurel Hill
City Alias NameLAUREL HILL
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 Businesses42
Number Of Employees130
Business First Quarter Payroll839
Business Annual Payroll3698
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|02
Congressional LandArea4016.3|8613.58
Delivery Residential2095
Delivery Business36
Delivery Total4672
Preferred Last Line KeyY22248
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY22248
Land Area145.271000
Water Area2.252000
City Alias Code
City Mixed CaseLaurel Hill
City Alias Mixed CaseLaurel Hill
Box Count100
SFDU2014
MFDU0
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number115115
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]