Get multiple home insurance quotes in 32709. Our licensed 32709, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 32709

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 32709, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Christmas, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 32709 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 32709

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Christmas, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

32709 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Christmas we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 32709, homeowners are seeing rates around 1674 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 32709!

32709 Home Insurance Average Premiums

Local 32709 homeowners insurance quotes comparison

$1424 /yr.

Shows Zip Code: 32709 lowest rates with discounts applied on average.

For the 32709, 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)
$1424 /yr.
Average Coverage:$1674 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1974 /yr.

What is the average home insurance cost for a home in 32709?

  • • The average homeowners insurance premium paid annually for a home in 32709 is around $1674 per year.

What does it cost on average per month for home insurance in 32709?

  • • Homeowners in 32709 pay a monthly average cost per month around $140.00.

What kind of discount could I get if I combine my home and auto insurance together in 32709?

  • • Autoowners in 32709 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 Christmas area, check out other zip codes nearby 32709.
Review average rates in another zip code:
32709 homeowners insurance rates

Home Replacement Cost Coverage in 32709

Average Building Cost Per Square Foot in 32709: $167

Location: Christmas, Florida (Orange County)

Average Square Footage in 32709: 1,717 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32709 before you start any project. Christmas 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 32709 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 32709 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,717 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 Christmas 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$1671,717$286,700
Additional Upgrades & Added Features$2091,717$358,375
Major Home Updates or Advancements$2511,717$430,050

It's important to understand that when you estimate your replacement cost of your home in the 32709 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 32709

Best Home & Auto Insurance Agencies in 32709

Housing Demographics for 32709

Population Review for 32709 Zip Code

For the city of Christmas, the population within 32709 has increased to over 2,598 residents in population size. The current population total is 2,691. We have broken down the population based on race below. In 32709, there are over 1399 in male population and 1292 females.

PopulationValues
Total Population2,691
White Population2140
Black Population71
Hispanic Population440
Asian Population21
Hawaiian Population4
Indian Population22
Other Population142
Male Population1399
Female Population1292
Population Estimate2598

Household Data for 32709

The average number of homes in 32709 is around 971, there are an average of 2.77 per household. The average house value according to local real estate values is around $286,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode971
Persons Per Household2.77
Average House Value$286,700
Income Per Household$74250
Median Age44.1
Median Age Male42.2
Median Age Female46.1
32709 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
CityChristmas
City Alias NameCHRISTMAS
CountyOrange
County FIPS095
State FIPS12
Time Zone5
Day Light SavingY
MSA5960
PMSA
CSA422
CBSA36740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees112
Business First Quarter Payroll778
Business Annual Payroll3593
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 District08|09|10
Congressional LandArea1752.06|1707.49|1129.32
Delivery Residential938
Delivery Business17
Delivery Total6222
Preferred Last Line KeyY21579
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21579
Land Area148.469000
Water Area2.706000
City Alias Code
City Mixed CaseChristmas
City Alias Mixed CaseChristmas
Box Count334
SFDU912
MFDU3
State ANSI12
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number111575
Unique ZIP Name
SSA State County Code10470
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID48
County Mixed CaseOrange

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 […]