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32828 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32828 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Orlando, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32828.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32828 and start shopping.

Quickly and Easily Compare Average Rates for 32828

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Orlando, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32828

Homeowners in Orlando are paying roughly $1986 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32828 Home Insurance Average Premiums

Local 32828 homeowners insurance quotes comparison

$1736 /yr.

Shows Zip Code: 32828 lowest rates with discounts applied on average.

For the 32828, 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)
$1736 /yr.
Average Coverage:$1986 /yr.
2600 sq. ft. or higher
(all discounts applied)
$2286 /yr.

What is the average home insurance cost for a home in 32828?

  • • The average homeowners insurance premium paid annually for a home in 32828 is around $1986 per year.

What does it cost on average per month for home insurance in 32828?

  • • Homeowners in 32828 pay a monthly average cost per month around $166.00.

What kind of discount could I get if I combine my home and auto insurance together in 32828?

  • • Autoowners in 32828 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.

You can easily shop and compare home insurance rates within Orlando, check out other zip codes nearby 32828.
To review average rates in another zip code, click on a zip code below:
32809  |  32814  |  32801  |  32817  |  32831  |  32804  |  32835  |  32832  |  32810  |  32824  | 

Home Replacement Cost Coverage in 32828

Average Building Cost Per Square Foot in 32828: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32828: 1,892 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32828 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 32828 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 32828 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,892 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$1671,892$315,900
Additional Upgrades & Added Features$2091,892$394,875
Major Home Updates or Advancements$2511,892$473,850

It's important to understand that when you estimate your replacement cost of your home in the 32828 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 32828

Best Home & Auto Insurance Agencies in 32828

Allstate Insurance Companies

Address: 13000 Avalon Lake Dr Orlando, FL 32828
Phone:
Website: http://www.allstateagencies.com
Info:

Metlife Auto & Home Agent: Cynthia Bravo-White

Address: 3662 Avalon Park East Boulevard #2073 Orlando, FL 32828
Phone:
Website: http://www.autohomeagent.metlife.com/
Info:

State Farm Insurance - Susan Collins Orlando

Address: 877 North Alafaya Trail Orlando, FL 32828
Phone:
Website: http://www.susancollins.biz/
Info:

Housing Demographics for 32828

Population Review for 32828 Zip Code

For the city of Orlando, the population within 32828 has increased to over 70,475 residents in population size. The current population total is 68,428. We have broken down the population based on race below. In 32828, there are over 33171 in male population and 35257 females.

PopulationValues
Total Population68,428
White Population33184
Black Population7790
Hispanic Population25005
Asian Population5048
Hawaiian Population61
Indian Population259
Other Population7295
Male Population33171
Female Population35257
Population Estimate70475

Household Data for 32828

The average number of homes in 32828 is around 23,344, there are an average of 2.93 per household. The average house value according to local real estate values is around $315,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23,344
Persons Per Household2.93
Average House Value$315,900
Income Per Household$88668
Median Age34.1
Median Age Male32.1
Median Age Female35.8
32828 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/407/689
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 Businesses1164
Number Of Employees8707
Business First Quarter Payroll69646
Business Annual Payroll319615
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 Residential24053
Delivery Business581
Delivery Total28700
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area20.831000
Water Area0.383000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
SFDU4071
MFDU5848
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

  • Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]