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Homeowners Insurance in 32583

For homeowners living in 32583, you want more affordable home insurance rates in Milton, right? Our rates are very competitive for homeowners living in the great city of Milton, FL. Many homeowners living in the 32583 area have found it very easy to shop with For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 32583 should appear in the zip code field ready to go. Comparing Milton, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

32583 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Milton pay around $1592 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 32583 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Milton homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

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32583 Home Insurance Average Premiums

Local 32583 homeowners insurance quotes comparison

$1342 /yr.

Shows Zip Code: 32583 lowest rates with discounts applied on average.

For the 32583, 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)
$1342 /yr.
Average Coverage:$1592 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1892 /yr.

What is the average home insurance cost for a home in 32583?

  • • The average homeowners insurance premium paid annually for a home in 32583 is around $1592 per year.

What does it cost on average per month for home insurance in 32583?

  • • Homeowners in 32583 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32583?

  • • Autoowners in 32583 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 Milton area, check out other zip codes nearby 32583.
Review average rates in another zip code:
32583 homeowners insurance rates
32570 homeowners insurance rates
32571 homeowners insurance rates

Home Replacement Cost Coverage in 32583

Average Building Cost Per Square Foot in 32583: $167

Location: Milton, Florida (Santa Rosa County)

Average Square Footage in 32583: 1,061 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32583 before you start any project. Milton 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 32583 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 32583 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,061 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 Milton 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$1671,061$177,200
Additional Upgrades & Added Features$2091,061$221,500
Major Home Updates or Advancements$2511,061$265,800

It's important to understand that when you estimate your replacement cost of your home in the 32583 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 32583

Best Home & Auto Insurance Agencies in 32583

Housing Demographics for 32583

Population Review for 32583 Zip Code

For the city of Milton, the population within 32583 has increased to over 30,828 residents in population size. The current population total is 31,047. We have broken down the population based on race below. In 32583, there are over 18216 in male population and 12831 females.

Total Population31,047
White Population23541
Black Population3935
Hispanic Population1937
Asian Population319
Hawaiian Population37
Indian Population216
Other Population686
Male Population18216
Female Population12831
Population Estimate30828

Household Data for 32583

The average number of homes in 32583 is around 9,883, there are an average of 2.58 per household. The average house value according to local real estate values is around $177,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,883
Persons Per Household2.58
Average House Value$177,200
Income Per Household$72348
Median Age40.4
Median Age Male38.8
Median Age Female43.9
32583 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850
City Alias NameMILTON
CountySanta Rosa
County FIPS113
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses312
Number Of Employees3412
Business First Quarter Payroll35707
Business Annual Payroll155877
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 Residential11949
Delivery Business353
Delivery Total12777
Preferred Last Line KeyY22417
Classification Code
CSA Name
City State KeyY22417
Land Area125.063000
Water Area4.142000
City Alias Code
City Mixed CaseMilton
City Alias Mixed CaseMilton
Box Count0
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115985
Unique ZIP Name
SSA State County Code10560
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID55
County Mixed CaseSanta Rosa

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]