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32693 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 32693? There are over 4,565 occupied homes in the 32693 area. With a population size of 12,815, it's not uncommon for residence of Trenton, FL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Florida is around $1,649 per year. At, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 32693 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Trenton, FL Home Insurance Rate Quotes

32693 Home Insurance Average Premiums

Local 32693 homeowners insurance quotes comparison

$1399 /yr.

Shows Zip Code: 32693 lowest rates with discounts applied on average.

For the 32693, 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)
$1399 /yr.
Average Coverage:$1649 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1949 /yr.

What is the average home insurance cost for a home in 32693?

  • • The average homeowners insurance premium paid annually for a home in 32693 is around $1649 per year.

What does it cost on average per month for home insurance in 32693?

  • • Homeowners in 32693 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32693?

  • • Autoowners in 32693 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 Trenton area, check out other zip codes nearby 32693.
Review average rates in another zip code:
32693 homeowners insurance rates

Home Replacement Cost Coverage in 32693

Average Building Cost Per Square Foot in 32693: $167

Location: Trenton, Florida (Gilchrist County)

Average Square Footage in 32693: 785 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32693 before you start any project. Trenton 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 32693 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 32693 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 785 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 Trenton 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$167785$131,100
Additional Upgrades & Added Features$209785$163,875
Major Home Updates or Advancements$251785$196,650

It's important to understand that when you estimate your replacement cost of your home in the 32693 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 32693

Best Home & Auto Insurance Agencies in 32693

Housing Demographics for 32693

Population Review for 32693 Zip Code

For the city of Trenton, the population within 32693 has increased to over 13,128 residents in population size. The current population total is 12,815. We have broken down the population based on race below. In 32693, there are over 6620 in male population and 6195 females.

Total Population12,815
White Population10592
Black Population801
Hispanic Population1019
Asian Population57
Hawaiian Population6
Indian Population56
Other Population455
Male Population6620
Female Population6195
Population Estimate13128

Household Data for 32693

The average number of homes in 32693 is around 4,565, there are an average of 2.59 per household. The average house value according to local real estate values is around $131,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,565
Persons Per Household2.59
Average House Value$131,100
Income Per Household$46490
Median Age42.3
Median Age Male40.0
Median Age Female45.0
32693 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
City Alias NameTRENTON
County FIPS041
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameGainesville, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses200
Number Of Employees1593
Business First Quarter Payroll14635
Business Annual Payroll62620
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 Residential5069
Delivery Business241
Delivery Total5679
Preferred Last Line KeyY23120
Classification Code
CSA NameGainesville-Lake City, FL
City State KeyY23120
Land Area200.714000
Water Area4.371000
City Alias Code
City Mixed CaseTrenton
City Alias Mixed CaseTrenton
Box Count296
State ANSI12
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number119075
Unique ZIP Name
SSA State County Code10200
Medicare CBSA Code23540
Medicare CBSA NameGainesville, FL
Medicare CBSA TypeMetro
Market Rating Area ID20
County Mixed CaseGilchrist

Florida Homeowners Insurance News & Information

  • 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: […]

  • 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 […]