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32609 Home Insurance Rates & Premiums

Did you know there are over 18,322 people living within the 32609 zip code area? There are over 7,420 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 32609.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,641 a year for a standard homeowners insurance policy in Gainesville. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Gainesville, FL Homeowners Insurance Quotes Online

32609 Home Insurance Average Premiums

Local 32609 homeowners insurance quotes comparison

$1391 /yr.

Shows Zip Code: 32609 lowest rates with discounts applied on average.

For the 32609, 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)
$1391 /yr.
Average Coverage:$1641 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1941 /yr.

What is the average home insurance cost for a home in 32609?

  • • The average homeowners insurance premium paid annually for a home in 32609 is around $1641 per year.

What does it cost on average per month for home insurance in 32609?

  • • Homeowners in 32609 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 32609?

  • • Autoowners in 32609 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 32609.
Review average rates in another zip code:
32605 homeowners insurance rates
32609 homeowners insurance rates
32641 homeowners insurance rates
32607 homeowners insurance rates
32608 homeowners insurance rates
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32653 homeowners insurance rates
32603 homeowners insurance rates
32612 homeowners insurance rates
32606 homeowners insurance rates

Home Replacement Cost Coverage in 32609

Average Building Cost Per Square Foot in 32609: $167

Location: Gainesville, Florida (Alachua County)

Average Square Footage in 32609: 754 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32609 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 32609 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 32609 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 754 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$167754$126,000
Additional Upgrades & Added Features$209754$157,500
Major Home Updates or Advancements$251754$189,000

It's important to understand that when you estimate your replacement cost of your home in the 32609 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 32609

Best Home & Auto Insurance Agencies in 32609

Allstate Insurance - Mickey H Rawls

Address: 1905 NW 13th St, #St-1 Gainesville, FL 32609
Phone:
Website:
Info:

Anchor Insurance Agency

Address: 4424 NW 13th St Gainesville, FL 32609
Phone:
Website:
Info:

Housing Demographics for 32609

Population Review for 32609 Zip Code

For the city of Gainesville, the population within 32609 has increased to over 16,826 residents in population size. The current population total is 18,322. We have broken down the population based on race below. In 32609, there are over 9280 in male population and 9042 females.

PopulationValues
Total Population18,322
White Population8578
Black Population7076
Hispanic Population1871
Asian Population394
Hawaiian Population3
Indian Population55
Other Population714
Male Population9280
Female Population9042
Population Estimate16826

Household Data for 32609

The average number of homes in 32609 is around 7,420, there are an average of 2.28 per household. The average house value according to local real estate values is around $126,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,420
Persons Per Household2.28
Average House Value$126,000
Income Per Household$40619
Median Age37.3
Median Age Male36.6
Median Age Female38.0
32609 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 Businesses637
Number Of Employees8012
Business First Quarter Payroll79047
Business Annual Payroll358658
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 Residential7380
Delivery Business1061
Delivery Total16956
Preferred Last Line KeyY21915
Classification Code
Multi-County
CSA NameGainesville-Lake City, FL
CBSA_DIV_Name
City State KeyY21915
Land Area117.554000
Water Area2.203000
City Alias Code
City Mixed CaseGainesville
City Alias Mixed CaseGainesville
Box Count0
SFDU2777
MFDU1402
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • 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 […]