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Home Insurance in 32577

Our rates are very competitive for homeowners living in the 32577 zip code. Many homeowners based out of Molino, FL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our FL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32577 should appear in the zip code field ready to go.

32577 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Molino area? The average homeowners premium in 32577 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32577, you can expect to pay around $1638 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 32577 Today!

Get Home Insurance Quotes in 32577

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32577 home insurance shopping today!

  1. Molino, FL Home Insurance Quotes

32577 Home Insurance Average Premiums

Local 32577 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32577 lowest rates with discounts applied on average.

For the 32577, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32577?

  • • The average homeowners insurance premium paid annually for a home in 32577 is around $1638 per year.

What does it cost on average per month for home insurance in 32577?

  • • Homeowners in 32577 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32577?

  • • Autoowners in 32577 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 Molino area, check out other zip codes nearby 32577.
Review average rates in another zip code:
32577 homeowners insurance rates

Home Replacement Cost Coverage in 32577

Average Building Cost Per Square Foot in 32577: $167

Location: Molino, Florida (Escambia County)

Average Square Footage in 32577: 993 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32577 before you start any project. Molino 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 32577 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 32577 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 993 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 Molino 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$167993$165,800
Additional Upgrades & Added Features$209993$207,250
Major Home Updates or Advancements$251993$248,700

It's important to understand that when you estimate your replacement cost of your home in the 32577 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 32577

Best Home & Auto Insurance Agencies in 32577

Housing Demographics for 32577

Population Review for 32577 Zip Code

For the city of Molino, the population within 32577 has increased to over 5,843 residents in population size. The current population total is 5,316. We have broken down the population based on race below. In 32577, there are over 2643 in male population and 2673 females.

PopulationValues
Total Population5,316
White Population4418
Black Population359
Hispanic Population137
Asian Population40
Hawaiian Population10
Indian Population72
Other Population57
Male Population2643
Female Population2673
Population Estimate5843

Household Data for 32577

The average number of homes in 32577 is around 2,007, there are an average of 2.65 per household. The average house value according to local real estate values is around $165,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,007
Persons Per Household2.65
Average House Value$165,800
Income Per Household$62980
Median Age46.0
Median Age Male43.8
Median Age Female47.7
32577 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
CityMolino
City Alias NameMOLINO
CountyEscambia
County FIPS033
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 Businesses59
Number Of Employees245
Business First Quarter Payroll2093
Business Annual Payroll9457
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 Residential2205
Delivery Business41
Delivery Total2409
Preferred Last Line KeyY22425
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22425
Land Area68.957000
Water Area0.938000
City Alias Code
City Mixed CaseMolino
City Alias Mixed CaseMolino
Box Count144
SFDU2126
MFDU0
State ANSI12
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number116030
Unique ZIP Name
SSA State County Code10160
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID16
County Mixed CaseEscambia

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 […]