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Homeowners Insurance coverage in 32826

If you are a homeowner in 32826 or Orlando, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Orlando.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32826.

Learn more about our homeowners insurance shopping service by selecting the best Orlando, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32826?

Residents of Orlando have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32826 zipcode, expect to pay around $1598 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Orlando does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32826 Home Insurance Average Premiums

Local 32826 homeowners insurance quotes comparison

$1348 /yr.

Shows Zip Code: 32826 lowest rates with discounts applied on average.

For the 32826, 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)
$1348 /yr.
Average Coverage:$1598 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1898 /yr.

What is the average home insurance cost for a home in 32826?

  • • The average homeowners insurance premium paid annually for a home in 32826 is around $1598 per year.

What does it cost on average per month for home insurance in 32826?

  • • Homeowners in 32826 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 32826?

  • • Autoowners in 32826 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 32826.
Review average rates in another zip code:
32836 homeowners insurance rates
32832 homeowners insurance rates
32809 homeowners insurance rates
32819 homeowners insurance rates
32826 homeowners insurance rates
32804 homeowners insurance rates
32824 homeowners insurance rates
32839 homeowners insurance rates
32807 homeowners insurance rates
32814 homeowners insurance rates

Home Replacement Cost Coverage in 32826

Average Building Cost Per Square Foot in 32826: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32826: 1,122 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32826 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 32826 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 32826 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,122 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$1671,122$187,300
Additional Upgrades & Added Features$2091,122$234,125
Major Home Updates or Advancements$2511,122$280,950

It's important to understand that when you estimate your replacement cost of your home in the 32826 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 32826

Best Home & Auto Insurance Agencies in 32826

Allstate Insurance Companies

Address: 11841 E Colonial Dr Orlando, FL 32826
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance - Ann Black

Address: 14365 E Colonial Dr Orlando, FL 32826
Phone:
Website:
Info:

Hoyt Insurance Agency, LLC

Address: 3855 Pyrite Drive Orlando, FL 32826
Phone:
Website: http://www.hoytins.com/
Info:

Housing Demographics for 32826

Population Review for 32826 Zip Code

For the city of Orlando, the population within 32826 has increased to over 21,115 residents in population size. The current population total is 33,065. We have broken down the population based on race below. In 32826, there are over 16016 in male population and 17049 females.

PopulationValues
Total Population33,065
White Population18836
Black Population3449
Hispanic Population9811
Asian Population2007
Hawaiian Population23
Indian Population167
Other Population3121
Male Population16016
Female Population17049
Population Estimate21115

Household Data for 32826

The average number of homes in 32826 is around 10,368, there are an average of 2.50 per household. The average house value according to local real estate values is around $187,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,368
Persons Per Household2.50
Average House Value$187,300
Income Per Household$58323
Median Age23.0
Median Age Male23.8
Median Age Female22.1
32826 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
CityOrlando
City Alias NameORLANDO
CountyOrange
County FIPS095
State FIPS12
Time Zone5
Day Light SavingY
MSA5960
PMSA
CSA422
CBSA36740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses582
Number Of Employees18740
Business First Quarter Payroll311005
Business Annual Payroll1427196
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 Residential8446
Delivery Business474
Delivery Total18703
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area7.340000
Water Area0.218000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
SFDU2607
MFDU1860
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

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]