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32806 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32806? Our rates are very competitive for homeowners living in Orlando, FL. Many homeowners based out of your 32806 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners 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 32806 should appear in the zip code field ready to go. For Orlando, FL Home Insurance Rate Quotes click to review the best rates and service online!

32806 Average Premium is Rated: Very High!

Homeowners living in 32806 can easily save up to 40% off the average home insurance premium of $1686 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Orlando that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32806 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32806!

32806 Home Insurance Average Premiums

Local 32806 homeowners insurance quotes comparison

$1436 /yr.

Shows Zip Code: 32806 lowest rates with discounts applied on average.

For the 32806, 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)
$1436 /yr.
Average Coverage:$1686 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1986 /yr.

What is the average home insurance cost for a home in 32806?

  • • The average homeowners insurance premium paid annually for a home in 32806 is around $1686 per year.

What does it cost on average per month for home insurance in 32806?

  • • Homeowners in 32806 pay a monthly average cost per month around $141.00.

What kind of discount could I get if I combine my home and auto insurance together in 32806?

  • • Autoowners in 32806 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 32806.
Review average rates in another zip code:
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32806 homeowners insurance rates

Home Replacement Cost Coverage in 32806

Average Building Cost Per Square Foot in 32806: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32806: 2,044 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32806 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 32806 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 32806 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,044 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$1672,044$341,300
Additional Upgrades & Added Features$2092,044$426,625
Major Home Updates or Advancements$2512,044$511,950

It's important to understand that when you estimate your replacement cost of your home in the 32806 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 32806

Exschwabies Llc

Address: 3548 South Orange Avenue Orlando, FL 32806
Phone: (407)816-3161

Best Home & Auto Insurance Agencies in 32806

Allstate Insurance Companies

Address: 4785 S Orange Ave Orlando, FL 32806

A American Auto Insurance

Address: 2875 S Orange Ave, #530 Orlando, FL 32806

ACE Cash Express

Address: 1523 S Crystal Lake Dr Orlando, FL 32806

Thompson, Guy W - State Farm Insurance Agent

Address: 825 E Michigan St Orlando, FL 32806

Allstate Insurance-Harry Pecunia Insurance

Address: 3834 Curry Ford Rd Orlando, FL 32806
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 32806

Population Review for 32806 Zip Code

For the city of Orlando, the population within 32806 has increased to over 27,126 residents in population size. The current population total is 26,582. We have broken down the population based on race below. In 32806, there are over 13126 in male population and 13456 females.

Total Population26,582
White Population19819
Black Population1336
Hispanic Population4829
Asian Population637
Hawaiian Population22
Indian Population110
Other Population1382
Male Population13126
Female Population13456
Population Estimate27126

Household Data for 32806

The average number of homes in 32806 is around 11,729, there are an average of 2.24 per household. The average house value according to local real estate values is around $341,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,729
Persons Per Household2.24
Average House Value$341,300
Income Per Household$78816
Median Age40.0
Median Age Male39.4
Median Age Female40.7
32806 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/689/321
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 Businesses1318
Number Of Employees32085
Business First Quarter Payroll443502
Business Annual Payroll1921879
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 District09|10
Congressional LandArea1707.49|1129.32
Delivery Residential12110
Delivery Business1226
Delivery Total16176
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area6.824000
Water Area0.892000
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 […]