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Find the Best Home Insurance Rates in 32784

Shopping for homeowners insurance in 32784 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Umatilla, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32784 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 32784

Find Umatilla, FL Homeowners Insurance Quotes to review the best coverage options in your area.

32784 Home Insurance Rating is: very high!

In 32784 the average premium is $1592. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 32784, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32784!

32784 Home Insurance Average Premiums

Local 32784 homeowners insurance quotes comparison

$1342 /yr.

Shows Zip Code: 32784 lowest rates with discounts applied on average.

For the 32784, 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)
$1342 /yr.
Average Coverage:$1592 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1892 /yr.

What is the average home insurance cost for a home in 32784?

  • • The average homeowners insurance premium paid annually for a home in 32784 is around $1592 per year.

What does it cost on average per month for home insurance in 32784?

  • • Homeowners in 32784 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32784?

  • • Autoowners in 32784 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 Umatilla area, check out other zip codes nearby 32784.
Review average rates in another zip code:
32784 homeowners insurance rates

Home Replacement Cost Coverage in 32784

Average Building Cost Per Square Foot in 32784: $167

Location: Umatilla, Florida (Lake County)

Average Square Footage in 32784: 1,011 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32784 before you start any project. Umatilla 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 32784 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 32784 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,011 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 Umatilla 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$1671,011$168,800
Additional Upgrades & Added Features$2091,011$211,000
Major Home Updates or Advancements$2511,011$253,200

It's important to understand that when you estimate your replacement cost of your home in the 32784 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 32784

Best Home & Auto Insurance Agencies in 32784

Housing Demographics for 32784

Population Review for 32784 Zip Code

For the city of Umatilla, the population within 32784 has increased to over 11,755 residents in population size. The current population total is 11,212. We have broken down the population based on race below. In 32784, there are over 5551 in male population and 5661 females.

PopulationValues
Total Population11,212
White Population9460
Black Population387
Hispanic Population1139
Asian Population56
Hawaiian Population2
Indian Population59
Other Population360
Male Population5551
Female Population5661
Population Estimate11755

Household Data for 32784

The average number of homes in 32784 is around 4,504, there are an average of 2.49 per household. The average house value according to local real estate values is around $168,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,504
Persons Per Household2.49
Average House Value$168,800
Income Per Household$61952
Median Age45.4
Median Age Male44.6
Median Age Female46.3
32784 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code352
CityUmatilla
City Alias NameUMATILLA
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 Businesses215
Number Of Employees1436
Business First Quarter Payroll11626
Business Annual Payroll52621
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
Congressional LandArea2506.92
Delivery Residential4721
Delivery Business194
Delivery Total5676
Preferred Last Line KeyY23133
Classification Code
Multi-CountyY
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY23133
Land Area92.784000
Water Area12.468000
City Alias Code
City Mixed CaseUmatilla
City Alias Mixed CaseUmatilla
Box Count701
SFDU2992
MFDU34
State ANSI12
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number119120
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 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 […]