Get multiple home insurance quotes in 32759. Our licensed 32759, FL agents are ready to serve you.

Compare 32759 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 32759 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,615/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 32759 zip code, the population size is around 2,951 with 1,338 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 32759.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Oak Hill, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

32759 Home Insurance Average Premiums

Local 32759 homeowners insurance quotes comparison

$1365 /yr.

Shows Zip Code: 32759 lowest rates with discounts applied on average.

For the 32759, 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)
$1365 /yr.
Average Coverage:$1615 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1915 /yr.

What is the average home insurance cost for a home in 32759?

  • • The average homeowners insurance premium paid annually for a home in 32759 is around $1615 per year.

What does it cost on average per month for home insurance in 32759?

  • • Homeowners in 32759 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32759?

  • • Autoowners in 32759 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 Oak Hill area, check out other zip codes nearby 32759.
Review average rates in another zip code:
32759 homeowners insurance rates

Home Replacement Cost Coverage in 32759

Average Building Cost Per Square Foot in 32759: $167

Location: Oak Hill, Florida (Volusia County)

Average Square Footage in 32759: 1,134 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32759 before you start any project. Oak Hill 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 32759 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 32759 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,134 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 Oak Hill 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$1671,134$189,300
Additional Upgrades & Added Features$2091,134$236,625
Major Home Updates or Advancements$2511,134$283,950

It's important to understand that when you estimate your replacement cost of your home in the 32759 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 32759

Best Home & Auto Insurance Agencies in 32759

Housing Demographics for 32759

Population Review for 32759 Zip Code

For the city of Oak Hill, the population within 32759 has increased to over 3,407 residents in population size. The current population total is 2,951. We have broken down the population based on race below. In 32759, there are over 1497 in male population and 1454 females.

PopulationValues
Total Population2,951
White Population2561
Black Population216
Hispanic Population79
Asian Population22
Hawaiian Population2
Indian Population5
Other Population28
Male Population1497
Female Population1454
Population Estimate3407

Household Data for 32759

The average number of homes in 32759 is around 1,338, there are an average of 2.21 per household. The average house value according to local real estate values is around $189,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,338
Persons Per Household2.21
Average House Value$189,300
Income Per Household$50054
Median Age56.7
Median Age Male59.1
Median Age Female54.7
32759 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code386
CityOak Hill
City Alias NameOAK HILL
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 Businesses41
Number Of Employees350
Business First Quarter Payroll3119
Business Annual Payroll11544
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 Residential1542
Delivery Business63
Delivery Total5577
Preferred Last Line KeyY22560
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22560
Land Area48.720000
Water Area1.550000
City Alias Code
City Mixed CaseOak Hill
City Alias Mixed CaseOak Hill
Box Count175
SFDU1468
MFDU0
State ANSI12
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number116540
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 […]