Get multiple home insurance quotes in 32578. Our licensed 32578, FL agents are ready to serve you.

32578 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32578? Our rates are very competitive for homeowners living in Niceville, FL. Many homeowners based out of your 32578 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida 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 32578 should appear in the zip code field ready to go. For Niceville, FL Home Insurance Rate Quotes click to review the best rates and service online!

32578 Average Premium is Rated: Very High!

Homeowners living in 32578 can easily save up to 40% off the average home insurance premium of $1603 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Niceville that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32578 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32578!

32578 Home Insurance Average Premiums

Local 32578 homeowners insurance quotes comparison

$1353 /yr.

Shows Zip Code: 32578 lowest rates with discounts applied on average.

For the 32578, 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)
$1353 /yr.
Average Coverage:$1603 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1903 /yr.

What is the average home insurance cost for a home in 32578?

  • • The average homeowners insurance premium paid annually for a home in 32578 is around $1603 per year.

What does it cost on average per month for home insurance in 32578?

  • • Homeowners in 32578 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 32578?

  • • Autoowners in 32578 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 Niceville area, check out other zip codes nearby 32578.
Review average rates in another zip code:
32578 homeowners insurance rates

Home Replacement Cost Coverage in 32578

Average Building Cost Per Square Foot in 32578: $167

Location: Niceville, Florida (Okaloosa County)

Average Square Footage in 32578: 1,943 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32578 before you start any project. Niceville 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 32578 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 32578 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,943 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 Niceville 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$1671,943$324,500
Additional Upgrades & Added Features$2091,943$405,625
Major Home Updates or Advancements$2511,943$486,750

It's important to understand that when you estimate your replacement cost of your home in the 32578 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 32578

Best Home & Auto Insurance Agencies in 32578

Allstate Insurance Companies

Address: 4524 SR-20 Niceville, FL 32578

Allstate Insurance CO

Address: 319 E John Sims Pky Niceville, FL 32578
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Woolsey, Mark - Allstate Insurance Company

Address: 4524 E Highway 20 Niceville, FL 32578

Bogue- Scott Brandon - State Farm Insurance Agent

Address: 902 Palm Blvd S Niceville, FL 32578
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 32578

Population Review for 32578 Zip Code

For the city of Niceville, the population within 32578 has increased to over 37,671 residents in population size. The current population total is 35,075. We have broken down the population based on race below. In 32578, there are over 17293 in male population and 17782 females.

Total Population35,075
White Population28173
Black Population1261
Hispanic Population2652
Asian Population1080
Hawaiian Population68
Indian Population149
Other Population670
Male Population17293
Female Population17782
Population Estimate37671

Household Data for 32578

The average number of homes in 32578 is around 13,733, there are an average of 2.55 per household. The average house value according to local real estate values is around $324,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,733
Persons Per Household2.55
Average House Value$324,500
Income Per Household$93706
Median Age41.7
Median Age Male40.5
Median Age Female43.0
32578 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
City Alias NameNICEVILLE
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 Businesses806
Number Of Employees7041
Business First Quarter Payroll76140
Business Annual Payroll325209
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 Residential14773
Delivery Business717
Delivery Total15477
Preferred Last Line KeyY22496
Classification Code
CSA Name
City State KeyY22496
Land Area23.382000
Water Area4.211000
City Alias Code
City Mixed CaseNiceville
City Alias Mixed CaseNiceville
Box Count28
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116420
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

  • 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 […]