Get multiple home insurance quotes in 32804. Our licensed 32804, FL agents are ready to serve you.

32804 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 32804 zip code it's important to know that our rates are very competitive for homeowners living in Orlando, FL. Many homeowners based out of your 32804 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32804 should appear in the zip code field ready to go. For Orlando, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

32804: Average Home Insurance Rates

For homeowners living in the great city of Orlando, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1571 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

Save on 32804 Home Insurance Quotes!

32804 Home Insurance Average Premiums

Local 32804 homeowners insurance quotes comparison

$1321 /yr.

Shows Zip Code: 32804 lowest rates with discounts applied on average.

For the 32804, 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)
$1321 /yr.
Average Coverage:$1571 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1871 /yr.

What is the average home insurance cost for a home in 32804?

  • • The average homeowners insurance premium paid annually for a home in 32804 is around $1571 per year.

What does it cost on average per month for home insurance in 32804?

  • • Homeowners in 32804 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 32804?

  • • Autoowners in 32804 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 32804.
Review average rates in another zip code:
32812 homeowners insurance rates
32807 homeowners insurance rates
32826 homeowners insurance rates
32828 homeowners insurance rates
32803 homeowners insurance rates
32817 homeowners insurance rates
32814 homeowners insurance rates
32818 homeowners insurance rates
32829 homeowners insurance rates
32804 homeowners insurance rates

Home Replacement Cost Coverage in 32804

Average Building Cost Per Square Foot in 32804: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32804: 2,328 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32804 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 32804 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 32804 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,328 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$1672,328$388,700
Additional Upgrades & Added Features$2092,328$485,875
Major Home Updates or Advancements$2512,328$583,050

It's important to understand that when you estimate your replacement cost of your home in the 32804 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 32804

Best Home & Auto Insurance Agencies in 32804

State Farm Insurance

Address: 1155 North Orange Avenue Orlando, FL 32804

Allstate Insurance Companies

Address: 2130 W Colonial Dr Orlando, FL 32804

Allstate Insurance - Doris Cabrera

Address: 3107 Edgewater Dr, #5 Orlando, FL 32804

Housing Demographics for 32804

Population Review for 32804 Zip Code

For the city of Orlando, the population within 32804 has increased to over 21,060 residents in population size. The current population total is 19,084. We have broken down the population based on race below. In 32804, there are over 9540 in male population and 9544 females.

Total Population19,084
White Population14968
Black Population863
Hispanic Population2385
Asian Population619
Hawaiian Population14
Indian Population50
Other Population547
Male Population9540
Female Population9544
Population Estimate21060

Household Data for 32804

The average number of homes in 32804 is around 8,685, there are an average of 2.16 per household. The average house value according to local real estate values is around $388,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,685
Persons Per Household2.16
Average House Value$388,700
Income Per Household$97695
Median Age40.2
Median Age Male40.3
Median Age Female40.1
32804 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/407/689
City Alias NameORLANDO
County FIPS095
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1449
Number Of Employees16681
Business First Quarter Payroll197578
Business Annual Payroll985670
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 Residential9750
Delivery Business1442
Delivery Total12214
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area7.154000
Water Area1.208000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]