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32658 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32658? Our rates are very competitive for homeowners living in La Crosse, FL. Many homeowners based out of your 32658 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners 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 32658 should appear in the zip code field ready to go. For La Crosse, FL Home Insurance Rate Quotes click to review the best rates and service online!

32658 Average Premium is Rated: Very High!

Homeowners living in 32658 can easily save up to 40% off the average home insurance premium of $1631 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in La Crosse that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32658 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32658!

32658 Home Insurance Average Premiums

Local 32658 homeowners insurance quotes comparison

$1381 /yr.

Shows Zip Code: 32658 lowest rates with discounts applied on average.

For the 32658, 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)
$1381 /yr.
Average Coverage:$1631 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1931 /yr.

What is the average home insurance cost for a home in 32658?

  • • The average homeowners insurance premium paid annually for a home in 32658 is around $1631 per year.

What does it cost on average per month for home insurance in 32658?

  • • Homeowners in 32658 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32658?

  • • Autoowners in 32658 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 La Crosse area, check out other zip codes nearby 32658.
Review average rates in another zip code:
32658 homeowners insurance rates

Home Replacement Cost Coverage in 32658

Average Building Cost Per Square Foot in 32658: $167

Location: La Crosse, Florida (Alachua County)

Average Square Footage in 32658: 410 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32658 before you start any project. La Crosse 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 32658 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 32658 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 410 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 La Crosse 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$167410$68,500
Additional Upgrades & Added Features$209410$85,625
Major Home Updates or Advancements$251410$102,750

It's important to understand that when you estimate your replacement cost of your home in the 32658 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 32658

Best Home & Auto Insurance Agencies in 32658

Housing Demographics for 32658

Population Review for 32658 Zip Code

For the city of La Crosse, the population within 32658 has increased to over 0 residents in population size. The current population total is 299. We have broken down the population based on race below. In 32658, there are over 142 in male population and 157 females.

Total Population299
White Population170
Black Population59
Hispanic Population44
Asian Population7
Hawaiian Population0
Indian Population6
Other Population11
Male Population142
Female Population157
Population Estimate0

Household Data for 32658

The average number of homes in 32658 is around 100, there are an average of 2.99 per household. The average house value according to local real estate values is around $68,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode100
Persons Per Household2.99
Average House Value$68,500
Income Per Household$64063
Median Age37.2
Median Age Male32.5
Median Age Female41.8
32658 DetailsValues
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code352
CityLa Crosse
City Alias NameLA CROSSE
County FIPS001
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameGainesville, FL
MSA_NameGainesville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees39
Business First Quarter Payroll331
Business Annual Payroll1538
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 Residential0
Delivery Business0
Delivery Total376
Preferred Last Line KeyY22178
Classification CodeP
CSA NameGainesville-Lake City, FL
City State KeyY22178
Land Area1.704000
Water Area0.019000
City Alias Code
City Mixed CaseLa Crosse
City Alias Mixed CaseLa Crosse
Box Count195
State ANSI12
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number114755
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

  • 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: […]