Get multiple home insurance quotes in 32780. Our licensed 32780, FL agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 32780

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 32780, do yourself a favor and get a rate quote from We will provide you with up to 12 quotes for homeowners coverage in Titusville, FL from a list of top tier nationwide insurers.

Our Florida licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 32780 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 32780

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

32780 Ratings: very high!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Titusville we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 32780, homeowners are seeing rates around 1646 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 32780!

32780 Home Insurance Average Premiums

Local 32780 homeowners insurance quotes comparison

$1396 /yr.

Shows Zip Code: 32780 lowest rates with discounts applied on average.

For the 32780, 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)
$1396 /yr.
Average Coverage:$1646 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1946 /yr.

What is the average home insurance cost for a home in 32780?

  • • The average homeowners insurance premium paid annually for a home in 32780 is around $1646 per year.

What does it cost on average per month for home insurance in 32780?

  • • Homeowners in 32780 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32780?

  • • Autoowners in 32780 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 Titusville area, check out other zip codes nearby 32780.
Review average rates in another zip code:
32796 homeowners insurance rates
32780 homeowners insurance rates

Home Replacement Cost Coverage in 32780

Average Building Cost Per Square Foot in 32780: $167

Location: Titusville, Florida (Brevard County)

Average Square Footage in 32780: 1,097 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32780 before you start any project. Titusville 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 32780 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 32780 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,097 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 Titusville 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$1671,097$183,200
Additional Upgrades & Added Features$2091,097$229,000
Major Home Updates or Advancements$2511,097$274,800

It's important to understand that when you estimate your replacement cost of your home in the 32780 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 32780

BMC Insurance Agency Inc

Address: 3880 South Washington Avenue Titusville, FL 32780
Phone: (321)267-4066

American Insurance

Address: 823 Cheney Highway Titusville, FL 32780
Phone: (321)268-1008

Best Home & Auto Insurance Agencies in 32780

Allstate Insurance Companies

Address: 4356 S Hopkins Ave Titusville, FL 32780

A Auto Insurance World

Address: 1210 S Washington Ave Titusville, FL 32780

American Insurance

Address: 823 Cheney Hwy Titusville, FL 32780

Housing Demographics for 32780

Population Review for 32780 Zip Code

For the city of Titusville, the population within 32780 has increased to over 41,250 residents in population size. The current population total is 39,525. We have broken down the population based on race below. In 32780, there are over 18879 in male population and 20646 females.

Total Population39,525
White Population29212
Black Population4852
Hispanic Population3818
Asian Population792
Hawaiian Population29
Indian Population135
Other Population967
Male Population18879
Female Population20646
Population Estimate41250

Household Data for 32780

The average number of homes in 32780 is around 17,592, there are an average of 2.23 per household. The average house value according to local real estate values is around $183,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,592
Persons Per Household2.23
Average House Value$183,200
Income Per Household$52066
Median Age48.3
Median Age Male46.9
Median Age Female49.8
32780 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/689
County FIPS009
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NamePalm Bay-Melbourne-Titusville, FL
MSA_NameMelbourne-Titusville-Palm Bay, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses804
Number Of Employees8896
Business First Quarter Payroll83369
Business Annual Payroll358773
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population543376
CBSA Division Population0
Congressional District08
Congressional LandArea1752.06
Delivery Residential18498
Delivery Business1034
Delivery Total22684
Preferred Last Line KeyY23104
Classification Code
CSA Name
City State KeyY23104
Land Area68.125000
Water Area14.119000
City Alias Code
City Mixed CaseTitusville
City Alias Mixed CaseTitusville
Box Count0
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119060
Unique ZIP Name
SSA State County Code10040
Medicare CBSA Code37340
Medicare CBSA NamePalm Bay-Melbourne-Titusville, FL
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseBrevard

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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 […]