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Compare 32615 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Alachua just got easier with the quick quoting system provided by We make it easier for you and your 6,639 neighbors looking to save on their home insurance policy in the local 32615 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32615. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Alachua, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Alachua, FL

32615 Home Insurance Average Premiums

Local 32615 homeowners insurance quotes comparison

$1365 /yr.

Shows Zip Code: 32615 lowest rates with discounts applied on average.

For the 32615, 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)
$1365 /yr.
Average Coverage:$1615 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1915 /yr.

What is the average home insurance cost for a home in 32615?

  • • The average homeowners insurance premium paid annually for a home in 32615 is around $1615 per year.

What does it cost on average per month for home insurance in 32615?

  • • Homeowners in 32615 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32615?

  • • Autoowners in 32615 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 Alachua area, check out other zip codes nearby 32615.
Review average rates in another zip code:
32616 homeowners insurance rates
32615 homeowners insurance rates

Home Replacement Cost Coverage in 32615

Average Building Cost Per Square Foot in 32615: $167

Location: Alachua, Florida (Alachua County)

Average Square Footage in 32615: 1,266 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32615 before you start any project. Alachua 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 32615 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 32615 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,266 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 Alachua 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$1671,266$211,500
Additional Upgrades & Added Features$2091,266$264,375
Major Home Updates or Advancements$2511,266$317,250

It's important to understand that when you estimate your replacement cost of your home in the 32615 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 32615

Best Home & Auto Insurance Agencies in 32615

Accord Insurance Network of Alachua

Address: 16407 NW 174th Dr Alachua, FL 32615

Housing Demographics for 32615

Population Review for 32615 Zip Code

For the city of Alachua, the population within 32615 has increased to over 16,894 residents in population size. The current population total is 16,524. We have broken down the population based on race below. In 32615, there are over 7919 in male population and 8605 females.

Total Population16,524
White Population11438
Black Population2619
Hispanic Population1596
Asian Population330
Hawaiian Population8
Indian Population89
Other Population517
Male Population7919
Female Population8605
Population Estimate16894

Household Data for 32615

The average number of homes in 32615 is around 6,639, there are an average of 2.49 per household. The average house value according to local real estate values is around $211,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,639
Persons Per Household2.49
Average House Value$211,500
Income Per Household$65588
Median Age43.8
Median Age Male43.5
Median Age Female44.1
32615 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
City Alias NameALACHUA
County FIPS001
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameGainesville, FL
MSA_NameGainesville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses431
Number Of Employees8142
Business First Quarter Payroll127507
Business Annual Payroll492624
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 Residential6785
Delivery Business373
Delivery Total7071
Preferred Last Line KeyY21344
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY21344
Land Area137.701000
Water Area1.491000
City Alias Code
City Mixed CaseAlachua
City Alias Mixed CaseAlachua
Box Count0
State ANSI12
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number110015
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 […]