Get multiple home insurance quotes in 32656. Our licensed 32656, FL agents are ready to serve you.

Home Insurance in 32656

Our rates are very competitive for homeowners living in the 32656 zip code. Many homeowners based out of Keystone Heights, FL 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 FL 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 32656 should appear in the zip code field ready to go.

32656 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Keystone Heights area? The average homeowners premium in 32656 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32656, you can expect to pay around $1594 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 32656 Today!

Get Home Insurance Quotes in 32656

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32656 home insurance shopping today!

  1. Keystone Heights, FL Home Insurance Quotes

32656 Home Insurance Average Premiums

Local 32656 homeowners insurance quotes comparison

$1344 /yr.

Shows Zip Code: 32656 lowest rates with discounts applied on average.

For the 32656, 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)
$1344 /yr.
Average Coverage:$1594 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1894 /yr.

What is the average home insurance cost for a home in 32656?

  • • The average homeowners insurance premium paid annually for a home in 32656 is around $1594 per year.

What does it cost on average per month for home insurance in 32656?

  • • Homeowners in 32656 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 32656?

  • • Autoowners in 32656 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 Keystone Heights area, check out other zip codes nearby 32656.
Review average rates in another zip code:
32656 homeowners insurance rates

Home Replacement Cost Coverage in 32656

Average Building Cost Per Square Foot in 32656: $167

Location: Keystone Heights, Florida (Clay County)

Average Square Footage in 32656: 924 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32656 before you start any project. Keystone Heights 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 32656 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 32656 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 924 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 Keystone Heights 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$167924$154,300
Additional Upgrades & Added Features$209924$192,875
Major Home Updates or Advancements$251924$231,450

It's important to understand that when you estimate your replacement cost of your home in the 32656 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 32656

Best Home & Auto Insurance Agencies in 32656

Allstate Insurance Agency

Address: 333 S Lawrence Blvd Keystone Heights, FL 32656

Beck, WD Keystone - State Farm Insurance Auto Car Life 32656 32666

Address: 7380 SR-21 Keystone Heights, FL 32656

Housing Demographics for 32656

Population Review for 32656 Zip Code

For the city of Keystone Heights, the population within 32656 has increased to over 16,014 residents in population size. The current population total is 14,686. We have broken down the population based on race below. In 32656, there are over 7265 in male population and 7421 females.

Total Population14,686
White Population13139
Black Population267
Hispanic Population670
Asian Population77
Hawaiian Population7
Indian Population78
Other Population144
Male Population7265
Female Population7421
Population Estimate16014

Household Data for 32656

The average number of homes in 32656 is around 5,737, there are an average of 2.54 per household. The average house value according to local real estate values is around $154,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,737
Persons Per Household2.54
Average House Value$154,300
Income Per Household$52758
Median Age44.5
Median Age Male42.7
Median Age Female46.3
32656 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationKEYSTONE HGTS
Area Code352/904
CityKeystone Heights
County FIPS019
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses200
Number Of Employees1585
Business First Quarter Payroll13411
Business Annual Payroll58799
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District03|04|06
Congressional LandArea7306.05|1875.97|2506.92
Delivery Residential6305
Delivery Business206
Delivery Total7186
Preferred Last Line KeyY22169
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22169
Land Area70.124000
Water Area6.051000
City Alias Code
City Mixed CaseKeystone Heights
City Alias Mixed CaseKeystone Heights
Box Count544
State ANSI12
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number114590
Unique ZIP Name
SSA State County Code10090
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseClay

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 […]