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If you live in the 32625 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Cedar Key have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32625 and then compare quotes from a variety of nationwide insurance companies.

32625 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32625 the average premium for homeowners coverage is $1625 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32625. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 32625 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Cedar Key, FL home insurance quotes in your area.

32625 Home Insurance Average Premiums

Local 32625 homeowners insurance quotes comparison

$1375 /yr.

Shows Zip Code: 32625 lowest rates with discounts applied on average.

For the 32625, 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)
$1375 /yr.
Average Coverage:$1625 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1925 /yr.

What is the average home insurance cost for a home in 32625?

  • • The average homeowners insurance premium paid annually for a home in 32625 is around $1625 per year.

What does it cost on average per month for home insurance in 32625?

  • • Homeowners in 32625 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 32625?

  • • Autoowners in 32625 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 Cedar Key area, check out other zip codes nearby 32625.
Review average rates in another zip code:
32625 homeowners insurance rates

Home Replacement Cost Coverage in 32625

Average Building Cost Per Square Foot in 32625: $167

Location: Cedar Key, Florida (Levy County)

Average Square Footage in 32625: 1,275 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32625 before you start any project. Cedar Key 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 32625 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 32625 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,275 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 Cedar Key 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$1671,275$212,900
Additional Upgrades & Added Features$2091,275$266,125
Major Home Updates or Advancements$2511,275$319,350

It's important to understand that when you estimate your replacement cost of your home in the 32625 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 32625

Accord Insurance of Cedar Key

Address: 597 2nd Street Cedar Key, FL 32625
Phone: (352)543-0300

Best Home & Auto Insurance Agencies in 32625

Housing Demographics for 32625

Population Review for 32625 Zip Code

For the city of Cedar Key, the population within 32625 has increased to over 1,177 residents in population size. The current population total is 1,620. We have broken down the population based on race below. In 32625, there are over 770 in male population and 850 females.

Total Population1,620
White Population1515
Black Population21
Hispanic Population52
Asian Population8
Hawaiian Population0
Indian Population8
Other Population12
Male Population770
Female Population850
Population Estimate1177

Household Data for 32625

The average number of homes in 32625 is around 762, there are an average of 2.13 per household. The average house value according to local real estate values is around $212,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode762
Persons Per Household2.13
Average House Value$212,900
Income Per Household$51447
Median Age59.1
Median Age Male60.2
Median Age Female58.0
32625 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityCedar Key
City Alias NameCEDAR KEY
County FIPS075
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameGainesville, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses63
Number Of Employees345
Business First Quarter Payroll1941
Business Annual Payroll8507
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 Residential553
Delivery Business22
Delivery Total1233
Preferred Last Line KeyY21561
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY21561
Land Area94.051000
Water Area37.135000
City Alias Code
City Mixed CaseCedar Key
City Alias Mixed CaseCedar Key
Box Count499
State ANSI12
County ANSI075
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111425
Unique ZIP Name
SSA State County Code10370
Medicare CBSA Code23540
Medicare CBSA NameGainesville, FL
Medicare CBSA TypeMetro
Market Rating Area ID37
County Mixed CaseLevy

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 […]