Get multiple home insurance quotes in 32818. Our licensed 32818, FL agents are ready to serve you.

Compare 32818 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 32818 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,669/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 32818 zip code, the population size is around 48,052 with 15,930 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 32818.

Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Orlando, FL Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. FL RateDiscountsSavingsShop Rates
$2,165up to 40% off$866

32818 Home Insurance Average Premiums

Local 32818 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 32818 lowest rates with discounts applied on average.

For the 32818, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 32818?

  • • The average homeowners insurance premium paid annually for a home in 32818 is around $1669 per year.

What does it cost on average per month for home insurance in 32818?

  • • Homeowners in 32818 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32818?

  • • Autoowners in 32818 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 32818.
Review average rates in another zip code:
32828 homeowners insurance rates
32814 homeowners insurance rates
32811 homeowners insurance rates
32819 homeowners insurance rates
32808 homeowners insurance rates
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32826 homeowners insurance rates
32839 homeowners insurance rates
32835 homeowners insurance rates
32829 homeowners insurance rates

Home Replacement Cost Coverage in 32818

Average Building Cost Per Square Foot in 32818: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32818: 1,237 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32818 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 32818 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 32818 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,237 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$1671,237$206,500
Additional Upgrades & Added Features$2091,237$258,125
Major Home Updates or Advancements$2511,237$309,750

It's important to understand that when you estimate your replacement cost of your home in the 32818 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 32818

Advance Age Insurance Service

Address: 499 N State Rd 434 Altamonte Springs, FL 32818
Phone: (407)295-7474

Best Home & Auto Insurance Agencies in 32818

ACE Cash Express

Address: 6950 Silver Star Rd Orlando, FL 32818

Housing Demographics for 32818

Population Review for 32818 Zip Code

For the city of Orlando, the population within 32818 has increased to over 48,282 residents in population size. The current population total is 48,052. We have broken down the population based on race below. In 32818, there are over 22588 in male population and 25464 females.

Total Population48,052
White Population7275
Black Population30583
Hispanic Population7883
Asian Population1937
Hawaiian Population37
Indian Population144
Other Population3750
Male Population22588
Female Population25464
Population Estimate48282

Household Data for 32818

The average number of homes in 32818 is around 15,930, there are an average of 3.00 per household. The average house value according to local real estate values is around $206,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode15,930
Persons Per Household3.00
Average House Value$206,500
Income Per Household$51060
Median Age36.5
Median Age Male34.9
Median Age Female37.9
32818 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/689
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 Businesses619
Number Of Employees4598
Business First Quarter Payroll33929
Business Annual Payroll144966
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|11
Congressional LandArea1129.32|2509.88
Delivery Residential16094
Delivery Business507
Delivery Total21395
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area11.129000
Water Area0.787000
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 […]