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32606 Home Insurance Quotes & Rates

Currently, the 10,636 homes within the 32606 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,598 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Gainesville, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 32606.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Gainesville home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 32606 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Gainesville, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Gainesville, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

32606 Home Insurance Average Premiums

Local 32606 homeowners insurance quotes comparison

$1348 /yr.

Shows Zip Code: 32606 lowest rates with discounts applied on average.

For the 32606, 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)
$1348 /yr.
Average Coverage:$1598 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1898 /yr.

What is the average home insurance cost for a home in 32606?

  • • The average homeowners insurance premium paid annually for a home in 32606 is around $1598 per year.

What does it cost on average per month for home insurance in 32606?

  • • Homeowners in 32606 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 32606?

  • • Autoowners in 32606 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.

You can easily shop and compare home insurance rates within Gainesville, check out other zip codes nearby 32606.
To review average rates in another zip code, click on a zip code below:
32641  |  32607  |  32609  |  32612  |  32601  |  32603  |  32606  |  32605  |  32653  |  32608  | 

Home Replacement Cost Coverage in 32606

Average Building Cost Per Square Foot in 32606: $167

Location: Gainesville, Florida (Alachua County)

Average Square Footage in 32606: 1,522 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32606 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 32606 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 32606 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,522 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$1671,522$254,100
Additional Upgrades & Added Features$2091,522$317,625
Major Home Updates or Advancements$2511,522$381,150

It's important to understand that when you estimate your replacement cost of your home in the 32606 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 32606

Best Home & Auto Insurance Agencies in 32606

Allstate Insurance Companies

Address: 3720 NW 43rd St, #100 Gainesville, FL 32606
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

Blue Cross Blue Shield of Florida Inc

Address: 3811 NW 40th Ter Gainesville, FL 32606
Phone:
Website:
Info:

Housing Demographics for 32606

Population Review for 32606 Zip Code

For the city of Gainesville, the population within 32606 has increased to over 25,072 residents in population size. The current population total is 24,380. We have broken down the population based on race below. In 32606, there are over 11238 in male population and 13142 females.

PopulationValues
Total Population24,380
White Population16638
Black Population2447
Hispanic Population2662
Asian Population2106
Hawaiian Population19
Indian Population61
Other Population635
Male Population11238
Female Population13142
Population Estimate25072

Household Data for 32606

The average number of homes in 32606 is around 10,636, there are an average of 2.26 per household. The average house value according to local real estate values is around $254,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,636
Persons Per Household2.26
Average House Value$254,100
Income Per Household$66777
Median Age39.7
Median Age Male38.2
Median Age Female41.4
32606 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 Businesses858
Number Of Employees9930
Business First Quarter Payroll116749
Business Annual Payroll495981
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 Residential11094
Delivery Business795
Delivery Total14943
Preferred Last Line KeyY21915
Classification Code
Multi-County
CSA NameGainesville-Lake City, FL
CBSA_DIV_Name
City State KeyY21915
Land Area15.394000
Water Area0.083000
City Alias Code
City Mixed CaseGainesville
City Alias Mixed CaseGainesville
Box Count0
SFDU2989
MFDU4058
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

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    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]