Get multiple home insurance quotes in 32778. Our licensed 32778, FL agents are ready to serve you.

32778 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32778 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Tavares, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32778.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32778 and start shopping.

Quickly and Easily Compare Average Rates for 32778

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Tavares, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32778

Homeowners in Tavares are paying roughly $1630 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32778 Home Insurance Average Premiums

Local 32778 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32778 lowest rates with discounts applied on average.

For the 32778, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32778?

  • • The average homeowners insurance premium paid annually for a home in 32778 is around $1630 per year.

What does it cost on average per month for home insurance in 32778?

  • • Homeowners in 32778 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 32778?

  • • Autoowners in 32778 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 Tavares area, check out other zip codes nearby 32778.
Review average rates in another zip code:
32778 homeowners insurance rates

Home Replacement Cost Coverage in 32778

Average Building Cost Per Square Foot in 32778: $167

Location: Tavares, Florida (Lake County)

Average Square Footage in 32778: 1,087 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32778 before you start any project. Tavares 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 32778 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 32778 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,087 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 Tavares 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$1671,087$181,500
Additional Upgrades & Added Features$2091,087$226,875
Major Home Updates or Advancements$2511,087$272,250

It's important to understand that when you estimate your replacement cost of your home in the 32778 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 32778

Best Home & Auto Insurance Agencies in 32778

Allstate Insurance-Marsha Strong Agency Inc

Address: 1102 N Joanna Ave Tavares, FL 32778
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 32778

Population Review for 32778 Zip Code

For the city of Tavares, the population within 32778 has increased to over 26,767 residents in population size. The current population total is 23,993. We have broken down the population based on race below. In 32778, there are over 11511 in male population and 12482 females.

PopulationValues
Total Population23,993
White Population17756
Black Population2564
Hispanic Population2664
Asian Population794
Hawaiian Population10
Indian Population114
Other Population800
Male Population11511
Female Population12482
Population Estimate26767

Household Data for 32778

The average number of homes in 32778 is around 10,354, there are an average of 2.21 per household. The average house value according to local real estate values is around $181,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,354
Persons Per Household2.21
Average House Value$181,500
Income Per Household$52076
Median Age52.8
Median Age Male49.9
Median Age Female55.1
32778 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityTavares
City Alias NameTAVARES
CountyLake
County FIPS069
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 Businesses602
Number Of Employees7471
Business First Quarter Payroll77759
Business Annual Payroll351903
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 District06|11
Congressional LandArea2506.92|2509.88
Delivery Residential12112
Delivery Business764
Delivery Total13244
Preferred Last Line KeyY23087
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY23087
Land Area25.411000
Water Area16.701000
City Alias Code
City Mixed CaseTavares
City Alias Mixed CaseTavares
Box Count440
SFDU5909
MFDU1870
State ANSI12
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118970
Unique ZIP Name
SSA State County Code10340
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID34
County Mixed CaseLake

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]