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Home Insurance Quotes in 32746

Are you shopping for a cheaper homeowners insurance rate in 32746? Our rates are very competitive for homeowners living in Lake Mary, FL. Many homeowners located in the 32746 zip code have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32746. To get free 32746 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32746 zip code should appear in the zip code field ready to go. Shopping Lake Mary, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32746 to review the best rate coverages.

Your 32746 Home Insurance Costs Is Rated: Very High!

For the great city of Lake Mary, the average home insurance premium paid annually is around $1637 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Lake Mary and need insurance on your home in the 32746 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 32746 Homeowners Insurance Rates Now!

32746 Home Insurance Average Premiums

Local 32746 homeowners insurance quotes comparison

$1387 /yr.

Shows Zip Code: 32746 lowest rates with discounts applied on average.

For the 32746, 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)
$1387 /yr.
Average Coverage:$1637 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1937 /yr.

What is the average home insurance cost for a home in 32746?

  • • The average homeowners insurance premium paid annually for a home in 32746 is around $1637 per year.

What does it cost on average per month for home insurance in 32746?

  • • Homeowners in 32746 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 32746?

  • • Autoowners in 32746 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 Lake Mary area, check out other zip codes nearby 32746.
Review average rates in another zip code:
32746 homeowners insurance rates

Home Replacement Cost Coverage in 32746

Average Building Cost Per Square Foot in 32746: $167

Location: Lake Mary, Florida (Seminole County)

Average Square Footage in 32746: 1,984 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32746 before you start any project. Lake Mary 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 32746 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 32746 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,984 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 Lake Mary 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$1671,984$331,300
Additional Upgrades & Added Features$2091,984$414,125
Major Home Updates or Advancements$2511,984$496,950

It's important to understand that when you estimate your replacement cost of your home in the 32746 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 32746

Best Home & Auto Insurance Agencies in 32746

Applied Insurance Services Incorporated

Address: 505 Lakeshore Drive Lake Mary, FL 32746

Allstate Insurance Company - Steven Strassman

Address: 3895 Lake Emma Road Lake Mary, FL 32746

Allstate Insurance Company - Carli D Brent

Address: 2680 West Lake Mary Boulevard Lake Mary, FL 32746

Interactive Insurance

Address: 145 Middle Street Lake Mary, FL 32746

Acceptance Insurance

Address: 601 Weldon Blvd Lake Mary, FL 32746

Housing Demographics for 32746

Population Review for 32746 Zip Code

For the city of Lake Mary, the population within 32746 has increased to over 47,652 residents in population size. The current population total is 45,828. We have broken down the population based on race below. In 32746, there are over 21963 in male population and 23865 females.

Total Population45,828
White Population29117
Black Population3376
Hispanic Population8039
Asian Population5048
Hawaiian Population29
Indian Population125
Other Population2226
Male Population21963
Female Population23865
Population Estimate47652

Household Data for 32746

The average number of homes in 32746 is around 18,186, there are an average of 2.50 per household. The average house value according to local real estate values is around $331,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,186
Persons Per Household2.50
Average House Value$331,300
Income Per Household$95610
Median Age42.0
Median Age Male40.6
Median Age Female43.3
32746 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/689
CityLake Mary
City Alias NameLAKE MARY
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 Businesses2052
Number Of Employees42146
Business First Quarter Payroll767388
Business Annual Payroll3104330
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 Residential19061
Delivery Business1510
Delivery Total21103
Preferred Last Line KeyY22207
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22207
Land Area21.063000
Water Area1.519000
City Alias Code
City Mixed CaseLake Mary
City Alias Mixed CaseLake Mary
Box Count0
State ANSI12
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114935
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 […]