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32680 Home Insurance Rates

For homeowners living in 32680, the population estimates are increasing to well over 10,008 with 4,198 occupied homes within the zip code of 32680. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Old Town have increased and the average home insurance premium is around $1,622 per year in 32680. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 32680 zip code today so we can help you find affordable Old Town, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32680

Please select one of the three options below based on your 32680 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Dixie County, FL Home Insurance
  3. Old Town, FL Home Insurance Quotes

32680 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32680 zip code just got easier with of Old Town, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 32680 today and let us help you review the best home insurance quotes available for homeowners living in Old Town.

Get 32680 Homeowners Insurance Rates Now!

32680 Home Insurance Average Premiums

Local 32680 homeowners insurance quotes comparison

$1372 /yr.

Shows Zip Code: 32680 lowest rates with discounts applied on average.

For the 32680, 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)
$1372 /yr.
Average Coverage:$1622 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1922 /yr.

What is the average home insurance cost for a home in 32680?

  • • The average homeowners insurance premium paid annually for a home in 32680 is around $1622 per year.

What does it cost on average per month for home insurance in 32680?

  • • Homeowners in 32680 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 32680?

  • • Autoowners in 32680 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 Old Town area, check out other zip codes nearby 32680.
Review average rates in another zip code:
32680 homeowners insurance rates

Home Replacement Cost Coverage in 32680

Average Building Cost Per Square Foot in 32680: $167

Location: Old Town, Florida (Dixie County)

Average Square Footage in 32680: 503 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32680 before you start any project. Old Town 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 32680 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 32680 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 503 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 Old Town 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$167503$84,000
Additional Upgrades & Added Features$209503$105,000
Major Home Updates or Advancements$251503$126,000

It's important to understand that when you estimate your replacement cost of your home in the 32680 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 32680

Best Home & Auto Insurance Agencies in 32680

Housing Demographics for 32680

Population Review for 32680 Zip Code

For the city of Old Town, the population within 32680 has increased to over 11,257 residents in population size. The current population total is 10,008. We have broken down the population based on race below. In 32680, there are over 5070 in male population and 4938 females.

Total Population10,008
White Population9170
Black Population107
Hispanic Population330
Asian Population40
Hawaiian Population1
Indian Population31
Other Population100
Male Population5070
Female Population4938
Population Estimate11257

Household Data for 32680

The average number of homes in 32680 is around 4,198, there are an average of 2.38 per household. The average house value according to local real estate values is around $84,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,198
Persons Per Household2.38
Average House Value$84,000
Income Per Household$44616
Median Age50.7
Median Age Male50.4
Median Age Female50.9
32680 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityOld Town
City Alias NameOLD TOWN
County FIPS029
State FIPS12
Time Zone5
Day Light SavingY
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses83
Number Of Employees411
Business First Quarter Payroll2249
Business Annual Payroll10601
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 Residential4730
Delivery Business93
Delivery Total8664
Preferred Last Line KeyY22585
Classification Code
CSA Name
City State KeyY22585
Land Area343.076000
Water Area13.325000
City Alias Code
City Mixed CaseOld Town
City Alias Mixed CaseOld Town
Box Count457
State ANSI12
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number116750
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

  • 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 […]