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32766 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 32766 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Oviedo, FL. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 32766 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-888-685-4704 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Florida, like average Oviedo homeowners insurance rates, coverage options or home insurance types, please select Oviedo, FL Home Insurance Rates Online!

32766 Home Insurance Average Premiums

Local 32766 homeowners insurance quotes comparison

$1413 /yr.

Shows Zip Code: 32766 lowest rates with discounts applied on average.

For the 32766, 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)
$1413 /yr.
Average Coverage:$1663 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1963 /yr.

What is the average home insurance cost for a home in 32766?

  • • The average homeowners insurance premium paid annually for a home in 32766 is around $1663 per year.

What does it cost on average per month for home insurance in 32766?

  • • Homeowners in 32766 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32766?

  • • Autoowners in 32766 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 32766.
Review average rates in another zip code:
32765 homeowners insurance rates
32766 homeowners insurance rates

Home Replacement Cost Coverage in 32766

Average Building Cost Per Square Foot in 32766: $167

Location: Oviedo, Florida (Seminole County)

Average Square Footage in 32766: 2,463 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32766 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 32766 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 32766 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,463 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$1672,463$411,400
Additional Upgrades & Added Features$2092,463$514,250
Major Home Updates or Advancements$2512,463$617,100

It's important to understand that when you estimate your replacement cost of your home in the 32766 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 32766

Best Home & Auto Insurance Agencies in 32766

The Wurzel Insurance Agency

Address: 1949 West County Road 419 #1271 Oviedo, FL 32766
Phone:
Website: http://www.wurzelagency.com/
Info:

Housing Demographics for 32766

Population Review for 32766 Zip Code

For the city of Oviedo, the population within 32766 has increased to over 16,959 residents in population size. The current population total is 16,541. We have broken down the population based on race below. In 32766, there are over 8270 in male population and 8271 females.

PopulationValues
Total Population16,541
White Population12124
Black Population683
Hispanic Population2687
Asian Population946
Hawaiian Population11
Indian Population41
Other Population575
Male Population8270
Female Population8271
Population Estimate16959

Household Data for 32766

The average number of homes in 32766 is around 5,246, there are an average of 3.15 per household. The average house value according to local real estate values is around $411,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,246
Persons Per Household3.15
Average House Value$411,400
Income Per Household$125451
Median Age40.2
Median Age Male39.3
Median Age Female40.9
32766 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 Businesses307
Number Of Employees1308
Business First Quarter Payroll10420
Business Annual Payroll47368
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 Residential5384
Delivery Business65
Delivery Total12229
Preferred Last Line KeyY22625
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22625
Land Area43.834000
Water Area2.769000
City Alias Code
City Mixed CaseOviedo
City Alias Mixed CaseOviedo
Box Count0
SFDU4165
MFDU48
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

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    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 […]