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32812 Home Insurance Rates

For homeowners living in 32812, the population estimates are increasing to well over 34,586 with 14,119 occupied homes within the zip code of 32812. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Orlando have increased and the average home insurance premium is around $1,595 per year in 32812. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 32812 zip code today so we can help you find affordable Orlando, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32812

Please select one of the three options below based on your 32812 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Orange County, FL Home Insurance
  3. Orlando, FL Home Insurance Quotes

32812 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32812 zip code just got easier with of Orlando, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 32812 today and let us help you review the best home insurance quotes available for homeowners living in Orlando.

Get 32812 Homeowners Insurance Rates Now!

32812 Home Insurance Average Premiums

Local 32812 homeowners insurance quotes comparison

$1345 /yr.

Shows Zip Code: 32812 lowest rates with discounts applied on average.

For the 32812, 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)
$1345 /yr.
Average Coverage:$1595 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1895 /yr.

What is the average home insurance cost for a home in 32812?

  • • The average homeowners insurance premium paid annually for a home in 32812 is around $1595 per year.

What does it cost on average per month for home insurance in 32812?

  • • Homeowners in 32812 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 32812?

  • • Autoowners in 32812 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 32812.
Review average rates in another zip code:
32835 homeowners insurance rates
32805 homeowners insurance rates
32806 homeowners insurance rates
32804 homeowners insurance rates
32803 homeowners insurance rates
32819 homeowners insurance rates
32825 homeowners insurance rates
32826 homeowners insurance rates
32807 homeowners insurance rates
32824 homeowners insurance rates

Home Replacement Cost Coverage in 32812

Average Building Cost Per Square Foot in 32812: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32812: 1,636 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32812 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 32812 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 32812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,636 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$1671,636$273,200
Additional Upgrades & Added Features$2091,636$341,500
Major Home Updates or Advancements$2511,636$409,800

It's important to understand that when you estimate your replacement cost of your home in the 32812 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 32812

Affordable Insurance Inc

Address: 5062 South Conway Road Orlando, FL 32812
Phone: (407)381-4000

Best Home & Auto Insurance Agencies in 32812

Allstate Insurance - Patrick Edet

Address: 4504 Curry Ford Rd Orlando, FL 32812

Allstate Insurance Companies

Address: 4704 E Michigan St Orlando, FL 32812

Affordable Insurance Inc

Address: 5062 S Conway Rd Orlando, FL 32812

ACE Cash Express

Address: 4528 Curry Ford Road Orlando, FL 32812

Allstate Insurance - Terry L Myers

Address: 4985 Hoffner Ave, #2 Orlando, FL 32812

Housing Demographics for 32812

Population Review for 32812 Zip Code

For the city of Orlando, the population within 32812 has increased to over 36,202 residents in population size. The current population total is 34,586. We have broken down the population based on race below. In 32812, there are over 16765 in male population and 17821 females.

Total Population34,586
White Population19043
Black Population2967
Hispanic Population13176
Asian Population1084
Hawaiian Population34
Indian Population162
Other Population4650
Male Population16765
Female Population17821
Population Estimate36202

Household Data for 32812

The average number of homes in 32812 is around 14,119, there are an average of 2.44 per household. The average house value according to local real estate values is around $273,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,119
Persons Per Household2.44
Average House Value$273,200
Income Per Household$59278
Median Age38.6
Median Age Male37.4
Median Age Female40.0
32812 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 Businesses623
Number Of Employees5037
Business First Quarter Payroll46322
Business Annual Payroll205262
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 Residential14837
Delivery Business436
Delivery Total19290
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area8.516000
Water Area0.960000
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 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: […]

  • 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 […]