Get multiple home insurance quotes in 32798. Our licensed 32798, FL agents are ready to serve you.

Check Out 32798 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Zellwood, FL.

We will gather some basic information about your home in Zellwood, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 32798 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 32798

We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.

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

32798 Homeowners Insurance Rates, Average Rating: very high!

Homeowners insurance policies in 32798 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1985. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 32798 homeowners insurance policy!

32798 Home Insurance Average Premiums

Local 32798 homeowners insurance quotes comparison

$1735 /yr.

Shows Zip Code: 32798 lowest rates with discounts applied on average.

For the 32798, 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)
$1735 /yr.
Average Coverage:$1985 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2285 /yr.

What is the average home insurance cost for a home in 32798?

  • • The average homeowners insurance premium paid annually for a home in 32798 is around $1985 per year.

What does it cost on average per month for home insurance in 32798?

  • • Homeowners in 32798 pay a monthly average cost per month around $165.00.

What kind of discount could I get if I combine my home and auto insurance together in 32798?

  • • Autoowners in 32798 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.

You can easily shop and compare home insurance rates within Zellwood, check out other zip codes nearby 32798.
To review average rates in another zip code, click on a zip code below:
32798  | 

Home Replacement Cost Coverage in 32798

Average Building Cost Per Square Foot in 32798: $167

Location: Zellwood, Florida (Orange County)

Average Square Footage in 32798: 696 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32798 before you start any project. Zellwood 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 32798 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 32798 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 696 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 Zellwood 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$167696$116,300
Additional Upgrades & Added Features$209696$145,375
Major Home Updates or Advancements$251696$174,450

It's important to understand that when you estimate your replacement cost of your home in the 32798 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 32798

Best Home & Auto Insurance Agencies in 32798

Housing Demographics for 32798

Population Review for 32798 Zip Code

For the city of Zellwood, the population within 32798 has increased to over 2,800 residents in population size. The current population total is 2,501. We have broken down the population based on race below. In 32798, there are over 1168 in male population and 1333 females.

PopulationValues
Total Population2,501
White Population2060
Black Population66
Hispanic Population361
Asian Population28
Hawaiian Population1
Indian Population12
Other Population148
Male Population1168
Female Population1333
Population Estimate2800

Household Data for 32798

The average number of homes in 32798 is around 1,380, there are an average of 1.81 per household. The average house value according to local real estate values is around $116,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,380
Persons Per Household1.81
Average House Value$116,300
Income Per Household$48023
Median Age68.3
Median Age Male67.3
Median Age Female69.1
32798 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/407/689
CityZellwood
City Alias NameZELLWOOD
CountyOrange
County FIPS095
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 Businesses59
Number Of Employees720
Business First Quarter Payroll10176
Business Annual Payroll37319
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 District11
Congressional LandArea2509.88
Delivery Residential1547
Delivery Business14
Delivery Total4237
Preferred Last Line KeyY23294
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY23294
Land Area2.993000
Water Area0.145000
City Alias Code
City Mixed CaseZellwood
City Alias Mixed CaseZellwood
Box Count388
SFDU268
MFDU1134
State ANSI12
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number119795
Unique ZIP Name
SSA State County Code10470
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID48
County Mixed CaseOrange

Florida Homeowners Insurance News & Information

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]