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Are you paying too much for homeowners insurance in 32835? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Orlando, FL that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Florida licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 32835?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 32835 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 32835 and get ready to save.

3 Easy Ways To Save Money In 32835

These three links will help you explore home insurance quotes in 32835 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 32835 Home Insurance Costs Rated: very high!

The average price for a homeowners insurance policy in Orlando is roughly $1602. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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32835 Home Insurance Average Premiums

Local 32835 homeowners insurance quotes comparison

$1352 /yr.

Shows Zip Code: 32835 lowest rates with discounts applied on average.

For the 32835, 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)
$1352 /yr.
Average Coverage:$1602 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1902 /yr.

What is the average home insurance cost for a home in 32835?

  • • The average homeowners insurance premium paid annually for a home in 32835 is around $1602 per year.

What does it cost on average per month for home insurance in 32835?

  • • Homeowners in 32835 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32835?

  • • Autoowners in 32835 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 32835.
Review average rates in another zip code:
32836 homeowners insurance rates
32821 homeowners insurance rates
32826 homeowners insurance rates
32837 homeowners insurance rates
32812 homeowners insurance rates
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32829 homeowners insurance rates
32819 homeowners insurance rates
32818 homeowners insurance rates
32801 homeowners insurance rates

Home Replacement Cost Coverage in 32835

Average Building Cost Per Square Foot in 32835: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32835: 1,643 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32835 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 32835 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 32835 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,643 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$1671,643$274,400
Additional Upgrades & Added Features$2091,643$343,000
Major Home Updates or Advancements$2511,643$411,600

It's important to understand that when you estimate your replacement cost of your home in the 32835 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 32835

Best Home & Auto Insurance Agencies in 32835

Marylou, Davis - State Farm Insurance Auto Car Life 32824 32811

Address: 6200 Metrowest Blvd Orlando, FL 32835

Allstate Insurance Company - Valerie Curinton-Smith

Address: 1515 Park Center Dr Orlando, FL 32835

Helen L Tallon Insurance Agency, Incorporated

Address: 2429 S Hiawassee Rd Orlando, FL 32835

Allstate Insurance - Luis Martell

Address: 6568 Old Winter Garden Rd Orlando, FL 32835

Housing Demographics for 32835

Population Review for 32835 Zip Code

For the city of Orlando, the population within 32835 has increased to over 46,725 residents in population size. The current population total is 45,380. We have broken down the population based on race below. In 32835, there are over 22379 in male population and 23001 females.

Total Population45,380
White Population17174
Black Population8992
Hispanic Population11925
Asian Population3419
Hawaiian Population57
Indian Population138
Other Population5669
Male Population22379
Female Population23001
Population Estimate46725

Household Data for 32835

The average number of homes in 32835 is around 17,233, there are an average of 2.62 per household. The average house value according to local real estate values is around $274,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,233
Persons Per Household2.62
Average House Value$274,400
Income Per Household$62777
Median Age35.4
Median Age Male34.4
Median Age Female36.4
32835 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 Businesses1185
Number Of Employees7109
Business First Quarter Payroll91649
Business Annual Payroll417480
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 Residential17834
Delivery Business737
Delivery Total18502
Preferred Last Line KeyY22611
Classification Code
CSA NameOrlando-Lakeland-Deltona, FL
City State KeyY22611
Land Area9.394000
Water Area1.328000
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 […]