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Home Insurance Rates in 32807

For homeowners shopping online in 32807, our insurance rates are very competitive for homeowners living in Orlando, FL. Many homeowners based out of the great city of Orlando have found it very easy to shop with The reason is because 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 which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32807, simply click the "Get Multiple Quotes Now" button. Your 32807 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Orlando, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32807 Home Insurance Rating is: Very High!

If you live in 32807, you can easily save up to 40% off the average home insurance premium of $1627 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Orlando can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32807 today!

Get Multiple Home Insurance Rates in 32807!

32807 Home Insurance Average Premiums

Local 32807 homeowners insurance quotes comparison

$1377 /yr.

Shows Zip Code: 32807 lowest rates with discounts applied on average.

For the 32807, 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)
$1377 /yr.
Average Coverage:$1627 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1927 /yr.

What is the average home insurance cost for a home in 32807?

  • • The average homeowners insurance premium paid annually for a home in 32807 is around $1627 per year.

What does it cost on average per month for home insurance in 32807?

  • • Homeowners in 32807 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32807?

  • • Autoowners in 32807 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 32807.
Review average rates in another zip code:
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32814 homeowners insurance rates

Home Replacement Cost Coverage in 32807

Average Building Cost Per Square Foot in 32807: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32807: 1,084 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32807 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 32807 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 32807 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,084 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$1671,084$181,100
Additional Upgrades & Added Features$2091,084$226,375
Major Home Updates or Advancements$2511,084$271,650

It's important to understand that when you estimate your replacement cost of your home in the 32807 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 32807

AA Auto Insurance & Tax Service

Address: 1460 South Semoran Boulevard Orlando, FL 32807
Phone: (407)273-0309

Alliance Insurance Agencies

Address: 515 North Semoran Boulevard Orlando, FL 32807
Phone: (407)281-4141

Best Home & Auto Insurance Agencies in 32807

John Psomas State Farm Insurance

Address: 922 Lake Baldwin Ln Orlando, FL 32807

Allstate Insurance Companies - Orlando- Altamonte Springs

Address: 1277 N Semoran Blvd Orlando, FL 32807
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance-Russo Insurance Agency

Address: 1417 N Semoran Blvd, #101 Orlando, FL 32807
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Florida Insurance Advice

Address: 310 E Pine St Orlando, FL 32807

Bud Cornett - Allstate Agent

Address: 5104 N Orange Blossom Trl, Ste 125 Orlando, FL 32807

Housing Demographics for 32807

Population Review for 32807 Zip Code

For the city of Orlando, the population within 32807 has increased to over 34,790 residents in population size. The current population total is 34,384. We have broken down the population based on race below. In 32807, there are over 17076 in male population and 17308 females.

Total Population34,384
White Population13251
Black Population3050
Hispanic Population20306
Asian Population1487
Hawaiian Population47
Indian Population345
Other Population7482
Male Population17076
Female Population17308
Population Estimate34790

Household Data for 32807

The average number of homes in 32807 is around 12,839, there are an average of 2.66 per household. The average house value according to local real estate values is around $181,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,839
Persons Per Household2.66
Average House Value$181,100
Income Per Household$51645
Median Age36.0
Median Age Male34.9
Median Age Female37.1
32807 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 Businesses972
Number Of Employees9464
Business First Quarter Payroll86067
Business Annual Payroll373571
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 Residential13079
Delivery Business1229
Delivery Total15262
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area8.401000
Water Area0.332000
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]