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Homeowners Insurance in 32569

Getting the most affordable home insurance rates in 32569 just got easier for Mary Esther, FL home insurance shoppers who want to shop online at We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Mary Esther. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Mary Esther, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32569

When discussing Florida homeowners insurance rates, Mary Esther residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32569 zipcode are currently paying $1580 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Mary Esther does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32569 Home Insurance Average Premiums

Local 32569 homeowners insurance quotes comparison

$1330 /yr.

Shows Zip Code: 32569 lowest rates with discounts applied on average.

For the 32569, 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)
$1330 /yr.
Average Coverage:$1580 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1880 /yr.

What is the average home insurance cost for a home in 32569?

  • • The average homeowners insurance premium paid annually for a home in 32569 is around $1580 per year.

What does it cost on average per month for home insurance in 32569?

  • • Homeowners in 32569 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 32569?

  • • Autoowners in 32569 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 Mary Esther area, check out other zip codes nearby 32569.
Review average rates in another zip code:
32569 homeowners insurance rates

Home Replacement Cost Coverage in 32569

Average Building Cost Per Square Foot in 32569: $167

Location: Mary Esther, Florida (Okaloosa County)

Average Square Footage in 32569: 1,404 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32569 before you start any project. Mary Esther 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 32569 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 32569 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,404 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 Mary Esther 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$1671,404$234,500
Additional Upgrades & Added Features$2091,404$293,125
Major Home Updates or Advancements$2511,404$351,750

It's important to understand that when you estimate your replacement cost of your home in the 32569 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 32569

Best Home & Auto Insurance Agencies in 32569

Allstate Insurance Companies

Address: 315 Mary Esther Blvd Mary Esther, FL 32569

Beverly J Hardy

Address: 151 Mary Esther Blvd Mary Esther, FL 32569

Housing Demographics for 32569

Population Review for 32569 Zip Code

For the city of Mary Esther, the population within 32569 has increased to over 13,449 residents in population size. The current population total is 12,378. We have broken down the population based on race below. In 32569, there are over 6239 in male population and 6139 females.

Total Population12,378
White Population8463
Black Population1178
Hispanic Population1346
Asian Population606
Hawaiian Population42
Indian Population80
Other Population429
Male Population6239
Female Population6139
Population Estimate13449

Household Data for 32569

The average number of homes in 32569 is around 5,065, there are an average of 2.44 per household. The average house value according to local real estate values is around $234,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,065
Persons Per Household2.44
Average House Value$234,500
Income Per Household$61201
Median Age36.9
Median Age Male35.9
Median Age Female38.2
32569 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityMary Esther
City Alias NameMARY ESTHER
County FIPS091
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NameCrestview-Fort Walton Beach-Destin, FL
MSA_NameFort Walton Beach, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses266
Number Of Employees2039
Business First Quarter Payroll13379
Business Annual Payroll56659
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
Congressional LandArea4016.3
Delivery Residential5512
Delivery Business404
Delivery Total6176
Preferred Last Line KeyY22344
Classification Code
CSA Name
City State KeyY22344
Land Area4.135000
Water Area5.047000
City Alias Code
City Mixed CaseMary Esther
City Alias Mixed CaseMary Esther
Box Count240
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115715
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

  • 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 […]