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Home Insurance Quotes in 32601

Are you shopping for a cheaper homeowners insurance rate in 32601? Our rates are very competitive for homeowners living in Gainesville, FL. Many homeowners located in the 32601 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32601. To get free 32601 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32601 zip code should appear in the zip code field ready to go. Shopping Gainesville, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32601 to review the best rate coverages.

Your 32601 Home Insurance Costs Is Rated: Very High!

For the great city of Gainesville, the average home insurance premium paid annually is around $1644 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Gainesville and need insurance on your home in the 32601 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 32601 Homeowners Insurance Rates Now!

32601 Home Insurance Average Premiums

Local 32601 homeowners insurance quotes comparison

$1394 /yr.

Shows Zip Code: 32601 lowest rates with discounts applied on average.

For the 32601, 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)
$1394 /yr.
Average Coverage:$1644 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1944 /yr.

What is the average home insurance cost for a home in 32601?

  • • The average homeowners insurance premium paid annually for a home in 32601 is around $1644 per year.

What does it cost on average per month for home insurance in 32601?

  • • Homeowners in 32601 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 32601?

  • • Autoowners in 32601 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 Gainesville area, check out other zip codes nearby 32601.
Review average rates in another zip code:
32608 homeowners insurance rates
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32606 homeowners insurance rates

Home Replacement Cost Coverage in 32601

Average Building Cost Per Square Foot in 32601: $167

Location: Gainesville, Florida (Alachua County)

Average Square Footage in 32601: 1,218 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32601 before you start any project. Gainesville 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 32601 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 32601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,218 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 Gainesville 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$1671,218$203,400
Additional Upgrades & Added Features$2091,218$254,250
Major Home Updates or Advancements$2511,218$305,100

It's important to understand that when you estimate your replacement cost of your home in the 32601 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 32601

Cotton's All Lines Insurance Inc

Address: 1222 Northwest 16th Avenue Gainesville, FL 32601
Phone: (352)338-1222
Website: www.cottonsalllines.com

Best Home & Auto Insurance Agencies in 32601

American Auto Insurance Agency - Central Gainesville

Address: 603 NW 10th Ave Gainesville, FL 32601
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 16 SW 2nd Ave Gainesville, FL 32601
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Mark, McGriff - State Farm Insurance Auto Car Life 32601 32605

Address: 1120 NW 13th St Gainesville, FL 32601
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/59/6539
Info:

Auto Insurance World

Address: 830 NW 13th St Gainesville, FL 32601
Phone:
Website: http://www.insuranceworld.cc
Info:

Housing Demographics for 32601

Population Review for 32601 Zip Code

For the city of Gainesville, the population within 32601 has increased to over 17,411 residents in population size. The current population total is 22,039. We have broken down the population based on race below. In 32601, there are over 10149 in male population and 11890 females.

PopulationValues
Total Population22,039
White Population13993
Black Population3688
Hispanic Population3166
Asian Population1244
Hawaiian Population9
Indian Population96
Other Population692
Male Population10149
Female Population11890
Population Estimate17411

Household Data for 32601

The average number of homes in 32601 is around 9,672, there are an average of 2.09 per household. The average house value according to local real estate values is around $203,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,672
Persons Per Household2.09
Average House Value$203,400
Income Per Household$29422
Median Age24.2
Median Age Male25.9
Median Age Female23.0
32601 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityGainesville
City Alias NameGAINESVILLE
CountyAlachua
County FIPS001
State FIPS12
Time Zone5
Day Light SavingY
MSA2900
PMSA
CSA264
CBSA23540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGainesville, FL
MSA_NameGainesville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses786
Number Of Employees8775
Business First Quarter Payroll74064
Business Annual Payroll348657
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population264275
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential8331
Delivery Business1198
Delivery Total9428
Preferred Last Line KeyY21915
Classification Code
Multi-County
CSA NameGainesville-Lake City, FL
CBSA_DIV_Name
City State KeyY21915
Land Area4.598000
Water Area0.023000
City Alias Code
City Mixed CaseGainesville
City Alias Mixed CaseGainesville
Box Count0
SFDU3239
MFDU2711
State ANSI12
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number113225
Unique ZIP Name
SSA State County Code10000
Medicare CBSA Code23540
Medicare CBSA NameGainesville, FL
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseAlachua

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 […]