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If you live in the 32708 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Winter Springs have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32708 and then compare quotes from a variety of nationwide insurance companies.

32708 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32708 the average premium for homeowners coverage is $1632 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32708. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

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We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Winter Springs, FL home insurance quotes in your area.

32708 Home Insurance Average Premiums

Local 32708 homeowners insurance quotes comparison

$1382 /yr.

Shows Zip Code: 32708 lowest rates with discounts applied on average.

For the 32708, 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)
$1382 /yr.
Average Coverage:$1632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1932 /yr.

What is the average home insurance cost for a home in 32708?

  • • The average homeowners insurance premium paid annually for a home in 32708 is around $1632 per year.

What does it cost on average per month for home insurance in 32708?

  • • Homeowners in 32708 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 32708?

  • • Autoowners in 32708 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 Winter Springs area, check out other zip codes nearby 32708.
Review average rates in another zip code:
32708 homeowners insurance rates

Home Replacement Cost Coverage in 32708

Average Building Cost Per Square Foot in 32708: $167

Location: Winter Springs, Florida (Seminole County)

Average Square Footage in 32708: 1,674 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32708 before you start any project. Winter Springs 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 32708 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 32708 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,674 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 Winter Springs 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$1671,674$279,500
Additional Upgrades & Added Features$2091,674$349,375
Major Home Updates or Advancements$2511,674$419,250

It's important to understand that when you estimate your replacement cost of your home in the 32708 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 32708

Best Home & Auto Insurance Agencies in 32708

Security First Insurance

Address: 1301 Sundial Point Winter Springs, FL 32708

Allstate Insurance Companies

Address: 301 E Sr-434 Winter Springs, FL 32708
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance Company - Michael Lapella

Address: 1340 Tuskawilla Rd Winter Springs, FL 32708

Brashear- Marc A

Address: 1182 E Sr-434 Winter Springs, FL 32708

Wick, Ken - State Farm Seguros De Auto Carro Vida 32765 32792

Address: 1340 Tuskawilla Road #114 Winter Springs, FL 32708

Housing Demographics for 32708

Population Review for 32708 Zip Code

For the city of Winter Springs, the population within 32708 has increased to over 49,392 residents in population size. The current population total is 47,045. We have broken down the population based on race below. In 32708, there are over 22286 in male population and 24759 females.

Total Population47,045
White Population32404
Black Population3198
Hispanic Population10139
Asian Population1716
Hawaiian Population35
Indian Population132
Other Population2779
Male Population22286
Female Population24759
Population Estimate49392

Household Data for 32708

The average number of homes in 32708 is around 18,479, there are an average of 2.54 per household. The average house value according to local real estate values is around $279,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,479
Persons Per Household2.54
Average House Value$279,500
Income Per Household$79320
Median Age41.3
Median Age Male39.8
Median Age Female42.8
32708 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationWINTER SPGS
Area Code407/689
CityWinter Springs
County FIPS117
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1072
Number Of Employees7009
Business First Quarter Payroll65926
Business Annual Payroll295368
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2134411
CBSA Division Population0
Congressional District07
Congressional LandArea513.58
Delivery Residential19446
Delivery Business695
Delivery Total22703
Preferred Last Line KeyY23273
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY23273
Land Area18.501000
Water Area1.815000
City Alias Code
City Mixed CaseWinter Springs
City Alias Mixed CaseWinter Springs
Box Count0
State ANSI12
County ANSI117
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111403
Unique ZIP Name
SSA State County Code10580
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID57
County Mixed CaseSeminole

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 […]