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Homeowners Insurance in 32809

For homeowners living in 32809, you want more affordable home insurance rates in Orlando, right? Our rates are very competitive for homeowners living in the great city of Orlando, FL. Many homeowners living in the 32809 area have found it very easy to shop with For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 32809 should appear in the zip code field ready to go. Comparing Orlando, FL Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

32809 Home Insurance Costs Are Considered: Very High!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Orlando pay around $1594 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Florida home insurance rates. At, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 32809 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Orlando homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Florida home insurance premium today!

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32809 Home Insurance Average Premiums

Local 32809 homeowners insurance quotes comparison

$1344 /yr.

Shows Zip Code: 32809 lowest rates with discounts applied on average.

For the 32809, 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)
$1344 /yr.
Average Coverage:$1594 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1894 /yr.

What is the average home insurance cost for a home in 32809?

  • • The average homeowners insurance premium paid annually for a home in 32809 is around $1594 per year.

What does it cost on average per month for home insurance in 32809?

  • • Homeowners in 32809 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32809?

  • • Autoowners in 32809 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 32809.
Review average rates in another zip code:
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32806 homeowners insurance rates
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32839 homeowners insurance rates
32807 homeowners insurance rates
32833 homeowners insurance rates

Home Replacement Cost Coverage in 32809

Average Building Cost Per Square Foot in 32809: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32809: 1,181 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32809 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 32809 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 32809 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,181 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$1671,181$197,200
Additional Upgrades & Added Features$2091,181$246,500
Major Home Updates or Advancements$2511,181$295,800

It's important to understand that when you estimate your replacement cost of your home in the 32809 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 32809

Access Insurance Services Inc

Address: 634 West Oak Ridge Road Orlando, FL 32809
Phone: (407)851-3663

A Plus Discount Insurance

Address: 7625 South Orange Blossom Trail Orlando, FL 32809
Phone: (407)858-9700

Best Home & Auto Insurance Agencies in 32809

Allstate Insurance

Address: 709 Waltham Ave Orlando, FL 32809

Allstate Insurance Companies

Address: 7130 S Orange Blossom Trl Orlando, FL 32809
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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A Plus Discount Insurance

Address: 7625 S Orange Blossom Trl Orlando, FL 32809

Affordable Insurance of Orlando

Address: 6349 S Orange Ave Orlando, FL 32809

Keiling, K Shawn - Allstate Insurance

Address: 709 Waltham Avenue Orlando, FL 32809

Housing Demographics for 32809

Population Review for 32809 Zip Code

For the city of Orlando, the population within 32809 has increased to over 28,119 residents in population size. The current population total is 29,478. We have broken down the population based on race below. In 32809, there are over 14857 in male population and 14621 females.

Total Population29,478
White Population9814
Black Population4476
Hispanic Population16996
Asian Population915
Hawaiian Population48
Indian Population328
Other Population7096
Male Population14857
Female Population14621
Population Estimate28119

Household Data for 32809

The average number of homes in 32809 is around 9,983, there are an average of 2.95 per household. The average house value according to local real estate values is around $197,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,983
Persons Per Household2.95
Average House Value$197,200
Income Per Household$45840
Median Age35.9
Median Age Male35.3
Median Age Female36.7
32809 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 Businesses1814
Number Of Employees39171
Business First Quarter Payroll424124
Business Annual Payroll1826239
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 Residential9532
Delivery Business2214
Delivery Total15624
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area10.386000
Water Area2.388000
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

  • 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 […]

  • 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: […]