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Home Insurance in 32803

If your primary reason for shopping for homeowners insurance in the 32803 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Orlando, FL. Many homeowners that live in the 32803 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 32803 zip code should already appear in the zip code field ready to go. For Orlando, FL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 32803

Homeowners living in the city of Orlando are paying on average around $1602 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 32803 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Florida home insurance premiums have been recently ranked 1 in the country in terms of the annual cost of premiums. Because premiums in 32803 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 32803 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Orlando. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

32803 Home Insurance Average Premiums

Local 32803 homeowners insurance quotes comparison

$1352 /yr.

Shows Zip Code: 32803 lowest rates with discounts applied on average.

For the 32803, 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)
$1352 /yr.
Average Coverage:$1602 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1902 /yr.

What is the average home insurance cost for a home in 32803?

  • • The average homeowners insurance premium paid annually for a home in 32803 is around $1602 per year.

What does it cost on average per month for home insurance in 32803?

  • • Homeowners in 32803 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32803?

  • • Autoowners in 32803 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 Orlando area, check out other zip codes nearby 32803.
Review average rates in another zip code:
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32803 homeowners insurance rates
32825 homeowners insurance rates

Home Replacement Cost Coverage in 32803

Average Building Cost Per Square Foot in 32803: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32803: 1,941 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32803 before you start any project. Orlando 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 32803 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 32803 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,941 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 Orlando 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$1671,941$324,200
Additional Upgrades & Added Features$2091,941$405,250
Major Home Updates or Advancements$2511,941$486,300

It's important to understand that when you estimate your replacement cost of your home in the 32803 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 32803

Best Home & Auto Insurance Agencies in 32803

ACE Cash Express

Address: 2509 East Colonial Drive Orlando, FL 32803
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance Companies - Orlando- Altamonte Springs

Address: 1080 Woodcock Rd Orlando, FL 32803
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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All Florida Insurance Group Inc

Address: 1915 E Colonial Dr Orlando, FL 32803
Phone:
Website:
Info:

Allstate Insurance - Salvatore Cino

Address: 1080 Woodcock Rd, #200 Orlando, FL 32803
Phone:
Website:
Info:

Renee E Cipriani

Address: 653 Maguire Boulevard Orlando, FL 32803
Phone:
Website: http://www.firstacceptancecorp.com/Locations.aspx
Info:

Housing Demographics for 32803

Population Review for 32803 Zip Code

For the city of Orlando, the population within 32803 has increased to over 22,748 residents in population size. The current population total is 21,003. We have broken down the population based on race below. In 32803, there are over 10769 in male population and 10234 females.

PopulationValues
Total Population21,003
White Population15551
Black Population902
Hispanic Population3451
Asian Population1018
Hawaiian Population13
Indian Population54
Other Population872
Male Population10769
Female Population10234
Population Estimate22748

Household Data for 32803

The average number of homes in 32803 is around 10,425, there are an average of 2.00 per household. The average house value according to local real estate values is around $324,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,425
Persons Per Household2.00
Average House Value$324,200
Income Per Household$87635
Median Age37.3
Median Age Male37.6
Median Age Female36.8
32803 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
CityOrlando
City Alias NameORLANDO
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 Businesses1870
Number Of Employees31827
Business First Quarter Payroll421830
Business Annual Payroll1938939
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 District10
Congressional LandArea1129.32
Delivery Residential11374
Delivery Business1751
Delivery Total12529
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area6.807000
Water Area0.852000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count2
SFDU7435
MFDU2571
State ANSI12
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116915
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

  • 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 […]