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Compare 32821 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Orlando just got easier with the quick quoting system provided by We make it easier for you and your 10,987 neighbors looking to save on their home insurance policy in the local 32821 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32821. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Orlando, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Orlando, FL

32821 Home Insurance Average Premiums

Local 32821 homeowners insurance quotes comparison

$1331 /yr.

Shows Zip Code: 32821 lowest rates with discounts applied on average.

For the 32821, 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)
$1331 /yr.
Average Coverage:$1581 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1881 /yr.

What is the average home insurance cost for a home in 32821?

  • • The average homeowners insurance premium paid annually for a home in 32821 is around $1581 per year.

What does it cost on average per month for home insurance in 32821?

  • • Homeowners in 32821 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32821?

  • • Autoowners in 32821 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 32821.
Review average rates in another zip code:
32839 homeowners insurance rates
32807 homeowners insurance rates
32821 homeowners insurance rates
32829 homeowners insurance rates
32814 homeowners insurance rates
32827 homeowners insurance rates
32806 homeowners insurance rates
32833 homeowners insurance rates
32822 homeowners insurance rates
32805 homeowners insurance rates

Home Replacement Cost Coverage in 32821

Average Building Cost Per Square Foot in 32821: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32821: 1,405 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32821 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 32821 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 32821 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,405 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$1671,405$234,700
Additional Upgrades & Added Features$2091,405$293,375
Major Home Updates or Advancements$2511,405$352,050

It's important to understand that when you estimate your replacement cost of your home in the 32821 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 32821

Best Home & Auto Insurance Agencies in 32821

Bill Bryan Ins Agency Inc - State Farm Insurance Agent

Address: 5470 Central Florida Pky Orlando, FL 32821
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance Company - Zanfardino Gerald

Address: 5482 Central Florida Pkwy Orlando, FL 32821

Housing Demographics for 32821

Population Review for 32821 Zip Code

For the city of Orlando, the population within 32821 has increased to over 30,097 residents in population size. The current population total is 25,999. We have broken down the population based on race below. In 32821, there are over 12312 in male population and 13687 females.

Total Population25,999
White Population12790
Black Population1525
Hispanic Population10855
Asian Population1449
Hawaiian Population89
Indian Population117
Other Population4002
Male Population12312
Female Population13687
Population Estimate30097

Household Data for 32821

The average number of homes in 32821 is around 10,987, there are an average of 2.27 per household. The average house value according to local real estate values is around $234,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,987
Persons Per Household2.27
Average House Value$234,700
Income Per Household$58461
Median Age32.3
Median Age Male33.1
Median Age Female31.3
32821 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 Businesses739
Number Of Employees21588
Business First Quarter Payroll215820
Business Annual Payroll994160
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|11
Congressional LandArea1707.49|2509.88
Delivery Residential13259
Delivery Business598
Delivery Total14469
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area16.312000
Water Area0.775000
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 […]