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32653 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 32653 zip code it's important to know that our rates are very competitive for homeowners living in Gainesville, FL. Many homeowners based out of your 32653 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32653 should appear in the zip code field ready to go. For Gainesville, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

32653: Average Home Insurance Rates

For homeowners living in the great city of Gainesville, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1591 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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32653 Home Insurance Average Premiums

Local 32653 homeowners insurance quotes comparison

$1341 /yr.

Shows Zip Code: 32653 lowest rates with discounts applied on average.

For the 32653, 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)
$1341 /yr.
Average Coverage:$1591 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1891 /yr.

What is the average home insurance cost for a home in 32653?

  • • The average homeowners insurance premium paid annually for a home in 32653 is around $1591 per year.

What does it cost on average per month for home insurance in 32653?

  • • Homeowners in 32653 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32653?

  • • Autoowners in 32653 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 32653.
Review average rates in another zip code:
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32608 homeowners insurance rates
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32605 homeowners insurance rates

Home Replacement Cost Coverage in 32653

Average Building Cost Per Square Foot in 32653: $167

Location: Gainesville, Florida (Alachua County)

Average Square Footage in 32653: 1,248 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32653 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 32653 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 32653 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,248 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$1671,248$208,400
Additional Upgrades & Added Features$2091,248$260,500
Major Home Updates or Advancements$2511,248$312,600

It's important to understand that when you estimate your replacement cost of your home in the 32653 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 32653

Best Home & Auto Insurance Agencies in 32653

Bankers Life and Casualty Company

Address: 6241 NW 23rd St Gainesville, FL 32653

Housing Demographics for 32653

Population Review for 32653 Zip Code

For the city of Gainesville, the population within 32653 has increased to over 14,764 residents in population size. The current population total is 14,397. We have broken down the population based on race below. In 32653, there are over 6743 in male population and 7654 females.

Total Population14,397
White Population9376
Black Population2174
Hispanic Population1421
Asian Population930
Hawaiian Population1
Indian Population30
Other Population375
Male Population6743
Female Population7654
Population Estimate14764

Household Data for 32653

The average number of homes in 32653 is around 6,060, there are an average of 2.36 per household. The average house value according to local real estate values is around $208,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,060
Persons Per Household2.36
Average House Value$208,400
Income Per Household$74386
Median Age44.8
Median Age Male43.0
Median Age Female46.3
32653 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
County FIPS001
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameGainesville, FL
MSA_NameGainesville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses361
Number Of Employees4458
Business First Quarter Payroll63382
Business Annual Payroll249504
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 Residential6256
Delivery Business389
Delivery Total6396
Preferred Last Line KeyY21915
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY21915
Land Area38.549000
Water Area0.771000
City Alias Code
City Mixed CaseGainesville
City Alias Mixed CaseGainesville
Box Count0
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 […]