Get multiple home insurance quotes in 32648. Our licensed 32648, FL agents are ready to serve you.

Home Insurance in 32648

If your primary reason for shopping for homeowners insurance in the 32648 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Horseshoe Beach, FL. Many homeowners that live in the 32648 zip code have found it very easy to shop with For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 32648 zip code should already appear in the zip code field ready to go. For Horseshoe Beach, FL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 32648

Homeowners living in the city of Horseshoe Beach are paying on average around $1615 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 32648 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Florida home insurance premiums have been recently ranked 1 in the country in terms of the annual cost of premiums. Because premiums in 32648 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 32648 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Horseshoe Beach. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

32648 Home Insurance Average Premiums

Local 32648 homeowners insurance quotes comparison

$1365 /yr.

Shows Zip Code: 32648 lowest rates with discounts applied on average.

For the 32648, 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 32648?

  • • The average homeowners insurance premium paid annually for a home in 32648 is around $1615 per year.

What does it cost on average per month for home insurance in 32648?

  • • Homeowners in 32648 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 32648?

  • • Autoowners in 32648 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 Horseshoe Beach area, check out other zip codes nearby 32648.
Review average rates in another zip code:
32648 homeowners insurance rates

Home Replacement Cost Coverage in 32648

Average Building Cost Per Square Foot in 32648: $167

Location: Horseshoe Beach, Florida (Dixie County)

Average Square Footage in 32648: 1,026 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32648 before you start any project. Horseshoe Beach 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 32648 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 32648 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,026 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 Horseshoe Beach 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$1671,026$171,300
Additional Upgrades & Added Features$2091,026$214,125
Major Home Updates or Advancements$2511,026$256,950

It's important to understand that when you estimate your replacement cost of your home in the 32648 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 32648

Best Home & Auto Insurance Agencies in 32648

Housing Demographics for 32648

Population Review for 32648 Zip Code

For the city of Horseshoe Beach, the population within 32648 has increased to over 254 residents in population size. The current population total is 443. We have broken down the population based on race below. In 32648, there are over 246 in male population and 197 females.

Total Population443
White Population407
Black Population3
Hispanic Population19
Asian Population4
Hawaiian Population0
Indian Population4
Other Population5
Male Population246
Female Population197
Population Estimate254

Household Data for 32648

The average number of homes in 32648 is around 202, there are an average of 2.19 per household. The average house value according to local real estate values is around $171,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode202
Persons Per Household2.19
Average House Value$171,300
Income Per Household$71750
Median Age56.4
Median Age Male58.4
Median Age Female51.5
32648 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationHORSESHOE BCH
Area Code352/386
CityHorseshoe Beach
County FIPS029
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees18
Business First Quarter Payroll115
Business Annual Payroll514
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 Residential116
Delivery Business1
Delivery Total248
Preferred Last Line KeyY22071
Classification Code
CSA Name
City State KeyY22071
Land Area81.553000
Water Area6.183000
City Alias Code
City Mixed CaseHorseshoe Beach
City Alias Mixed CaseHorseshoe Beach
Box Count124
State ANSI12
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114095
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’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 […]

  • 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: […]