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32811 Home Insurance Rates

Getting multiple homeowners insurance rates in 32811 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Orlando, FL. Many homeowners based out of the 32811 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Florida licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32811 should appear in the zip code field ready to go. For Orlando, FL Home Insurance Quotes, Click to easily get started!

32811 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 32811 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Orlando. For a basic HO-3, standard homeowners policy, the average premium per year in Florida is around $1633. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 32811 zip code today and let us help you save time and money on your homeowners insurance premium.

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32811 Home Insurance Average Premiums

Local 32811 homeowners insurance quotes comparison

$1383 /yr.

Shows Zip Code: 32811 lowest rates with discounts applied on average.

For the 32811, 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)
$1383 /yr.
Average Coverage:$1633 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1933 /yr.

What is the average home insurance cost for a home in 32811?

  • • The average homeowners insurance premium paid annually for a home in 32811 is around $1633 per year.

What does it cost on average per month for home insurance in 32811?

  • • Homeowners in 32811 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 32811?

  • • Autoowners in 32811 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 32811.
Review average rates in another zip code:
32817 homeowners insurance rates
32809 homeowners insurance rates
32805 homeowners insurance rates
32836 homeowners insurance rates
32822 homeowners insurance rates
32833 homeowners insurance rates
32810 homeowners insurance rates
32825 homeowners insurance rates
32804 homeowners insurance rates
32839 homeowners insurance rates

Home Replacement Cost Coverage in 32811

Average Building Cost Per Square Foot in 32811: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32811: 778 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32811 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 32811 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 32811 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 778 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$167778$129,900
Additional Upgrades & Added Features$209778$162,375
Major Home Updates or Advancements$251778$194,850

It's important to understand that when you estimate your replacement cost of your home in the 32811 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 32811

Best Home & Auto Insurance Agencies in 32811

Allsafe Insurance

Address: 27 S Kirkman Rd Orlando, FL 32811

Broschart, Mike Agent - State Farm Insurance

Address: 4638 S Kirkman Rd Orlando, FL 32811

Allstate Insurance Companies

Address: 48 N Kirkman Rd Orlando, FL 32811
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance - Gloria K. Williams

Address: 48 N Kirkman Rd, #Rd-1 Orlando, FL 32811

Allstate Insurance Company - David Hicks

Address: 5385 Conroy Rd Orlando, FL 32811

Housing Demographics for 32811

Population Review for 32811 Zip Code

For the city of Orlando, the population within 32811 has increased to over 43,193 residents in population size. The current population total is 42,274. We have broken down the population based on race below. In 32811, there are over 20051 in male population and 22223 females.

Total Population42,274
White Population6893
Black Population21577
Hispanic Population11613
Asian Population976
Hawaiian Population36
Indian Population138
Other Population5449
Male Population20051
Female Population22223
Population Estimate43193

Household Data for 32811

The average number of homes in 32811 is around 15,496, there are an average of 2.72 per household. The average house value according to local real estate values is around $129,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,496
Persons Per Household2.72
Average House Value$129,900
Income Per Household$42028
Median Age33.1
Median Age Male31.6
Median Age Female34.2
32811 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
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 Businesses908
Number Of Employees12265
Business First Quarter Payroll173486
Business Annual Payroll736760
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 Residential15880
Delivery Business1026
Delivery Total20194
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area8.306000
Water Area0.569000
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 […]