Get multiple home insurance quotes in 32735. Our licensed 32735, FL agents are ready to serve you.

32735 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32735? Our rates are very competitive for homeowners living in Grand Island, FL. Many homeowners based out of your 32735 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32735 should appear in the zip code field ready to go. For Grand Island, FL Home Insurance Rate Quotes click to review the best rates and service online!

32735 Average Premium is Rated: Very High!

Homeowners living in 32735 can easily save up to 40% off the average home insurance premium of $1653 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Grand Island that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32735 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32735!

32735 Home Insurance Average Premiums

Local 32735 homeowners insurance quotes comparison

$1403 /yr.

Shows Zip Code: 32735 lowest rates with discounts applied on average.

For the 32735, 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)
$1403 /yr.
Average Coverage:$1653 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1953 /yr.

What is the average home insurance cost for a home in 32735?

  • • The average homeowners insurance premium paid annually for a home in 32735 is around $1653 per year.

What does it cost on average per month for home insurance in 32735?

  • • Homeowners in 32735 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32735?

  • • Autoowners in 32735 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 Grand Island area, check out other zip codes nearby 32735.
Review average rates in another zip code:
32735 homeowners insurance rates

Home Replacement Cost Coverage in 32735

Average Building Cost Per Square Foot in 32735: $167

Location: Grand Island, Florida (Lake County)

Average Square Footage in 32735: 1,050 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32735 before you start any project. Grand Island 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 32735 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 32735 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,050 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 Grand Island 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$1671,050$175,300
Additional Upgrades & Added Features$2091,050$219,125
Major Home Updates or Advancements$2511,050$262,950

It's important to understand that when you estimate your replacement cost of your home in the 32735 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 32735

Best Home & Auto Insurance Agencies in 32735

Housing Demographics for 32735

Population Review for 32735 Zip Code

For the city of Grand Island, the population within 32735 has increased to over 6,124 residents in population size. The current population total is 5,812. We have broken down the population based on race below. In 32735, there are over 2782 in male population and 3030 females.

PopulationValues
Total Population5,812
White Population4521
Black Population478
Hispanic Population666
Asian Population87
Hawaiian Population6
Indian Population20
Other Population195
Male Population2782
Female Population3030
Population Estimate6124

Household Data for 32735

The average number of homes in 32735 is around 2,385, there are an average of 2.44 per household. The average house value according to local real estate values is around $175,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,385
Persons Per Household2.44
Average House Value$175,300
Income Per Household$63714
Median Age50.4
Median Age Male49.7
Median Age Female50.9
32735 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityGrand Island
City Alias NameGRAND ISLAND
CountyLake
County FIPS069
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 Businesses40
Number Of Employees196
Business First Quarter Payroll1993
Business Annual Payroll9444
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 District06
Congressional LandArea2506.92
Delivery Residential2510
Delivery Business14
Delivery Total2737
Preferred Last Line KeyY21962
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY21962
Land Area3.990000
Water Area1.228000
City Alias Code
City Mixed CaseGrand Island
City Alias Mixed CaseGrand Island
Box Count175
SFDU671
MFDU274
State ANSI12
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number113495
Unique ZIP Name
SSA State County Code10340
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID34
County Mixed CaseLake

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 […]