Get multiple home insurance quotes in 32738. Our licensed 32738, FL agents are ready to serve you.

Homeowners Insurance in 32738

In Deltona, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 32738 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home 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. Best of all, you can get up to 12 competitive quotes for your home in 32738 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32738 should appear in the zip code field ready to go.

32738 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1652. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Deltona home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 32738 Home Insurance Rates Now!

Best 3 Options to Compare in 32738

If you want homeowners insurance quotes within the city of Deltona or in the 32738 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Deltona, FL.

32738 Home Insurance Average Premiums

Local 32738 homeowners insurance quotes comparison

$1402 /yr.

Shows Zip Code: 32738 lowest rates with discounts applied on average.

For the 32738, 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)
$1402 /yr.
Average Coverage:$1652 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1952 /yr.

What is the average home insurance cost for a home in 32738?

  • • The average homeowners insurance premium paid annually for a home in 32738 is around $1652 per year.

What does it cost on average per month for home insurance in 32738?

  • • Homeowners in 32738 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 32738?

  • • Autoowners in 32738 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 Deltona area, check out other zip codes nearby 32738.
Review average rates in another zip code:
32725 homeowners insurance rates
32738 homeowners insurance rates

Home Replacement Cost Coverage in 32738

Average Building Cost Per Square Foot in 32738: $167

Location: Deltona, Florida (Volusia County)

Average Square Footage in 32738: 1,101 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32738 before you start any project. Deltona 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 32738 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 32738 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,101 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 Deltona 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$1671,101$183,900
Additional Upgrades & Added Features$2091,101$229,875
Major Home Updates or Advancements$2511,101$275,850

It's important to understand that when you estimate your replacement cost of your home in the 32738 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 32738

Best Home & Auto Insurance Agencies in 32738

Housing Demographics for 32738

Population Review for 32738 Zip Code

For the city of Deltona, the population within 32738 has increased to over 50,950 residents in population size. The current population total is 47,284. We have broken down the population based on race below. In 32738, there are over 23317 in male population and 23967 females.

PopulationValues
Total Population47,284
White Population26581
Black Population5770
Hispanic Population16775
Asian Population605
Hawaiian Population44
Indian Population249
Other Population5357
Male Population23317
Female Population23967
Population Estimate50950

Household Data for 32738

The average number of homes in 32738 is around 16,264, there are an average of 2.90 per household. The average house value according to local real estate values is around $183,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,264
Persons Per Household2.90
Average House Value$183,900
Income Per Household$64716
Median Age39.5
Median Age Male38.0
Median Age Female41.0
32738 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityDeltona
City Alias NameDELTONA
CountyVolusia
County FIPS127
State FIPS12
Time Zone5
Day Light SavingY
MSA2020
PMSA
CSA422
CBSA19660
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDeltona-Daytona Beach-Ormond Beach, FL
MSA_NameDaytona Beach, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses413
Number Of Employees2512
Business First Quarter Payroll16778
Business Annual Payroll70542
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population494593
CBSA Division Population0
Congressional District07
Congressional LandArea513.58
Delivery Residential17569
Delivery Business132
Delivery Total20094
Preferred Last Line KeyY28007
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY28007
Land Area25.773000
Water Area3.232000
City Alias Code
City Mixed CaseDeltona
City Alias Mixed CaseDeltona
Box Count0
SFDU10868
MFDU0
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number112210
Unique ZIP Name
SSA State County Code10630
Medicare CBSA Code19660
Medicare CBSA NameDeltona-Daytona Beach-Ormond Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID64
County Mixed CaseVolusia

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 […]