Get multiple home insurance quotes in 32579. Our licensed 32579, FL agents are ready to serve you.

Home Insurance Rates in 32579

For homeowners shopping online in 32579, our insurance rates are very competitive for homeowners living in Shalimar, FL. Many homeowners based out of the great city of Shalimar have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32579, simply click the "Get Multiple Quotes Now" button. Your 32579 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Shalimar, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32579 Home Insurance Rating is: Very High!

If you live in 32579, you can easily save up to 40% off the average home insurance premium of $1626 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Shalimar can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32579 today!

Get Multiple Home Insurance Rates in 32579!

32579 Home Insurance Average Premiums

Local 32579 homeowners insurance quotes comparison

$1376 /yr.

Shows Zip Code: 32579 lowest rates with discounts applied on average.

For the 32579, 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)
$1376 /yr.
Average Coverage:$1626 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1926 /yr.

What is the average home insurance cost for a home in 32579?

  • • The average homeowners insurance premium paid annually for a home in 32579 is around $1626 per year.

What does it cost on average per month for home insurance in 32579?

  • • Homeowners in 32579 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32579?

  • • Autoowners in 32579 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 Shalimar area, check out other zip codes nearby 32579.
Review average rates in another zip code:
32579 homeowners insurance rates

Home Replacement Cost Coverage in 32579

Average Building Cost Per Square Foot in 32579: $167

Location: Shalimar, Florida (Okaloosa County)

Average Square Footage in 32579: 1,971 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32579 before you start any project. Shalimar 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 32579 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 32579 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,971 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 Shalimar 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$1671,971$329,100
Additional Upgrades & Added Features$2091,971$411,375
Major Home Updates or Advancements$2511,971$493,650

It's important to understand that when you estimate your replacement cost of your home in the 32579 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 32579

Best Home & Auto Insurance Agencies in 32579

Allstate Insurance Companies

Address: 1191 Eglin Pky Shalimar, FL 32579
Phone:
Website: http://www.allstate.com
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, allstate.com

American Insurance Center

Address: 1270 Eglin Pky Shalimar, FL 32579
Phone:
Website:
Info:

Housing Demographics for 32579

Population Review for 32579 Zip Code

For the city of Shalimar, the population within 32579 has increased to over 11,219 residents in population size. The current population total is 10,444. We have broken down the population based on race below. In 32579, there are over 5018 in male population and 5426 females.

PopulationValues
Total Population10,444
White Population7947
Black Population708
Hispanic Population978
Asian Population409
Hawaiian Population32
Indian Population52
Other Population261
Male Population5018
Female Population5426
Population Estimate11219

Household Data for 32579

The average number of homes in 32579 is around 4,583, there are an average of 2.28 per household. The average house value according to local real estate values is around $329,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,583
Persons Per Household2.28
Average House Value$329,100
Income Per Household$88722
Median Age46.6
Median Age Male43.0
Median Age Female49.5
32579 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
CityShalimar
City Alias NameSHALIMAR
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 Businesses203
Number Of Employees1545
Business First Quarter Payroll21699
Business Annual Payroll88815
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 Residential4921
Delivery Business172
Delivery Total8037
Preferred Last Line KeyY22887
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22887
Land Area3.484000
Water Area2.392000
City Alias Code
City Mixed CaseShalimar
City Alias Mixed CaseShalimar
Box Count280
SFDU3313
MFDU623
State ANSI12
County ANSI091
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118550
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 […]