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Find the Best Home Insurance Rates in 32628

Shopping for homeowners insurance in 32628 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Cross City, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32628 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 32628

Find Cross City, FL Homeowners Insurance Quotes to review the best coverage options in your area.

32628 Home Insurance Rating is: very high!

In 32628 the average premium is $1638. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 32628, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32628!

32628 Home Insurance Average Premiums

Local 32628 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32628 lowest rates with discounts applied on average.

For the 32628, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32628?

  • • The average homeowners insurance premium paid annually for a home in 32628 is around $1638 per year.

What does it cost on average per month for home insurance in 32628?

  • • Homeowners in 32628 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 32628?

  • • Autoowners in 32628 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 Cross City area, check out other zip codes nearby 32628.
Review average rates in another zip code:
32628 homeowners insurance rates

Home Replacement Cost Coverage in 32628

Average Building Cost Per Square Foot in 32628: $167

Location: Cross City, Florida (Dixie County)

Average Square Footage in 32628: 496 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32628 before you start any project. Cross City 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 32628 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 32628 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 496 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 Cross City 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$167496$82,900
Additional Upgrades & Added Features$209496$103,625
Major Home Updates or Advancements$251496$124,350

It's important to understand that when you estimate your replacement cost of your home in the 32628 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 32628

Best Home & Auto Insurance Agencies in 32628

Housing Demographics for 32628

Population Review for 32628 Zip Code

For the city of Cross City, the population within 32628 has increased to over 2,606 residents in population size. The current population total is 5,343. We have broken down the population based on race below. In 32628, there are over 3519 in male population and 1824 females.

PopulationValues
Total Population5,343
White Population3562
Black Population1456
Hispanic Population321
Asian Population18
Hawaiian Population3
Indian Population24
Other Population101
Male Population3519
Female Population1824
Population Estimate2606

Household Data for 32628

The average number of homes in 32628 is around 1,353, there are an average of 2.56 per household. The average house value according to local real estate values is around $82,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,353
Persons Per Household2.56
Average House Value$82,900
Income Per Household$38787
Median Age40.9
Median Age Male40.3
Median Age Female43.4
32628 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityCross City
City Alias NameCROSS CITY
CountyDixie
County FIPS029
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses95
Number Of Employees1040
Business First Quarter Payroll8865
Business Annual Payroll39677
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District03
Congressional LandArea7306.05
Delivery Residential1018
Delivery Business75
Delivery Total1766
Preferred Last Line KeyY21655
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY21655
Land Area88.078000
Water Area0.489000
City Alias Code
City Mixed CaseCross City
City Alias Mixed CaseCross City
Box Count573
SFDU928
MFDU33
State ANSI12
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number111935
Unique ZIP Name
SSA State County Code10140
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID14
County Mixed CaseDixie

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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 […]