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32683 Homeowners Insurance Quotes & Rates

Otter Creek residents living within the 59 homes available in the zip code of 32683 are shopping online to compare cheaper and more affordable Otter Creek, FL home insurance rates. In the great city of Otter Creek, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,630 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32683 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32683 home insurance rates today! Please give us a call now at 1-888-685-4704. For Otter Creek, FL Homeowners Insurance Quotes, Click to easily get started!

32683 Home Insurance Average Premiums

Local 32683 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32683 lowest rates with discounts applied on average.

For the 32683, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32683?

  • • The average homeowners insurance premium paid annually for a home in 32683 is around $1630 per year.

What does it cost on average per month for home insurance in 32683?

  • • Homeowners in 32683 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 32683?

  • • Autoowners in 32683 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 Otter Creek area, check out other zip codes nearby 32683.
Review average rates in another zip code:
32683 homeowners insurance rates

Home Replacement Cost Coverage in 32683

Average Building Cost Per Square Foot in 32683: $167

Location: Otter Creek, Florida (Levy County)

Average Square Footage in 32683: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32683 before you start any project. Otter Creek 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 32683 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 32683 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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 Otter Creek 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32683 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 32683

Best Home & Auto Insurance Agencies in 32683

Housing Demographics for 32683

Population Review for 32683 Zip Code

For the city of Otter Creek, the population within 32683 has increased to over 0 residents in population size. The current population total is 133. We have broken down the population based on race below. In 32683, there are over 67 in male population and 66 females.

PopulationValues
Total Population133
White Population118
Black Population4
Hispanic Population8
Asian Population0
Hawaiian Population1
Indian Population3
Other Population2
Male Population67
Female Population66
Population Estimate0

Household Data for 32683

The average number of homes in 32683 is around 59, there are an average of 2.25 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode59
Persons Per Household2.25
Average House Value$165,000
Income Per Household$56128
Median Age44.8
Median Age Male38.5
Median Age Female48.5
32683 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
City Alias Abbreviation
Area Code352
CityOtter Creek
City Alias NameOTTER CREEK
CountyLevy
County FIPS075
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA264
CBSA23540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGainesville, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
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 Total97
Preferred Last Line KeyY22623
Classification CodeP
Multi-County
CSA NameGainesville-Lake City, FL
CBSA_DIV_Name
City State KeyY22623
Land Area15.902000
Water Area0.022000
City Alias Code
City Mixed CaseOtter Creek
City Alias Mixed CaseOtter Creek
Box Count84
SFDU0
MFDU0
State ANSI12
County ANSI075
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number117020
Unique ZIP Name
SSA State County Code10370
Medicare CBSA Code23540
Medicare CBSA NameGainesville, FL
Medicare CBSA TypeMetro
Market Rating Area ID37
County Mixed CaseLevy

Florida Homeowners Insurance News & Information

  • 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: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]