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Compare 32765 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Oviedo just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 22,897 neighbors looking to save on their home insurance policy in the local 32765 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32765. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Oviedo, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Oviedo, FL

32765 Home Insurance Average Premiums

Local 32765 homeowners insurance quotes comparison

$1334 /yr.

Shows Zip Code: 32765 lowest rates with discounts applied on average.

For the 32765, 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)
$1334 /yr.
Average Coverage:$1584 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1884 /yr.

What is the average home insurance cost for a home in 32765?

  • • The average homeowners insurance premium paid annually for a home in 32765 is around $1584 per year.

What does it cost on average per month for home insurance in 32765?

  • • Homeowners in 32765 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32765?

  • • Autoowners in 32765 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 Oviedo area, check out other zip codes nearby 32765.
Review average rates in another zip code:
32766 homeowners insurance rates
32765 homeowners insurance rates

Home Replacement Cost Coverage in 32765

Average Building Cost Per Square Foot in 32765: $167

Location: Oviedo, Florida (Seminole County)

Average Square Footage in 32765: 1,920 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32765 before you start any project. Oviedo 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 32765 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 32765 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,920 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 Oviedo 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$1671,920$320,600
Additional Upgrades & Added Features$2091,920$400,750
Major Home Updates or Advancements$2511,920$480,900

It's important to understand that when you estimate your replacement cost of your home in the 32765 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 32765

Best Home & Auto Insurance Agencies in 32765

State Farm Insurance

Address: 561 East Mitchell Hammock Road Oviedo, FL 32765
Phone:
Website: http://www.statefarm.com/
Info:

Allstate Insurance - Lincoln Salmon

Address: 1787 E Broadway St Oviedo, FL 32765
Phone:
Website:
Info:

Larry Howes - Allstate Insurance Company

Address: 870 Clark St Oviedo, FL 32765
Phone:
Website: http://www.clickserve.dartsearch.net/link/click?lid=43000000142093617
Info:

Jeffrey B, Campbell - State Farm Seguros De Auto Carro Vida 32792 32706

Address: 2840 Tuskawilla Rd Oviedo, FL 32765
Phone:
Website: http://www.jeffreybcampbell.com/
Info:

Allstate Insurance - Dominick J. Scarangella Jr.

Address: 45 Alafaya Woods Blvd Oviedo, FL 32765
Phone:
Website:
Info:

Housing Demographics for 32765

Population Review for 32765 Zip Code

For the city of Oviedo, the population within 32765 has increased to over 66,738 residents in population size. The current population total is 65,228. We have broken down the population based on race below. In 32765, there are over 31764 in male population and 33464 females.

PopulationValues
Total Population65,228
White Population42341
Black Population5185
Hispanic Population13904
Asian Population4236
Hawaiian Population50
Indian Population166
Other Population3437
Male Population31764
Female Population33464
Population Estimate66738

Household Data for 32765

The average number of homes in 32765 is around 22,897, there are an average of 2.80 per household. The average house value according to local real estate values is around $320,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,897
Persons Per Household2.80
Average House Value$320,600
Income Per Household$88156
Median Age36.5
Median Age Male34.8
Median Age Female38.0
32765 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
CityOviedo
City Alias NameOVIEDO
CountySeminole
County FIPS117
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 Businesses1759
Number Of Employees18080
Business First Quarter Payroll172504
Business Annual Payroll767980
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|10
Congressional LandArea513.58|1129.32
Delivery Residential23835
Delivery Business1450
Delivery Total25348
Preferred Last Line KeyY22625
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22625
Land Area39.018000
Water Area3.414000
City Alias Code
City Mixed CaseOviedo
City Alias Mixed CaseOviedo
Box Count0
SFDU12502
MFDU4517
State ANSI12
County ANSI117
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number117050
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

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]