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Home Insurance in 32903

Our rates are very competitive for homeowners living in the 32903 zip code. Many homeowners based out of Indialantic, FL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our FL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32903 should appear in the zip code field ready to go.

32903 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Indialantic area? The average homeowners premium in 32903 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32903, you can expect to pay around $1565 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 32903

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32903 home insurance shopping today!

  1. Indialantic, FL Home Insurance Quotes

32903 Home Insurance Average Premiums

Local 32903 homeowners insurance quotes comparison

$1315 /yr.

Shows Zip Code: 32903 lowest rates with discounts applied on average.

For the 32903, 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)
$1315 /yr.
Average Coverage:$1565 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1865 /yr.

What is the average home insurance cost for a home in 32903?

  • • The average homeowners insurance premium paid annually for a home in 32903 is around $1565 per year.

What does it cost on average per month for home insurance in 32903?

  • • Homeowners in 32903 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 32903?

  • • Autoowners in 32903 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 Indialantic area, check out other zip codes nearby 32903.
Review average rates in another zip code:
32903 homeowners insurance rates

Home Replacement Cost Coverage in 32903

Average Building Cost Per Square Foot in 32903: $167

Location: Indialantic, Florida (Brevard County)

Average Square Footage in 32903: 2,318 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32903 before you start any project. Indialantic 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 32903 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 32903 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,318 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 Indialantic 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$1672,318$387,100
Additional Upgrades & Added Features$2092,318$483,875
Major Home Updates or Advancements$2512,318$580,650

It's important to understand that when you estimate your replacement cost of your home in the 32903 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 32903

Best Home & Auto Insurance Agencies in 32903

Housing Demographics for 32903

Population Review for 32903 Zip Code

For the city of Indialantic, the population within 32903 has increased to over 14,929 residents in population size. The current population total is 13,880. We have broken down the population based on race below. In 32903, there are over 6887 in male population and 6993 females.

PopulationValues
Total Population13,880
White Population12094
Black Population101
Hispanic Population962
Asian Population342
Hawaiian Population6
Indian Population25
Other Population204
Male Population6887
Female Population6993
Population Estimate14929

Household Data for 32903

The average number of homes in 32903 is around 6,203, there are an average of 2.24 per household. The average house value according to local real estate values is around $387,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,203
Persons Per Household2.24
Average House Value$387,100
Income Per Household$88388
Median Age52.2
Median Age Male51.0
Median Age Female53.1
32903 DetailsValues
StateFL
State Full NameFlorida
City TypeB
City Alias Abbreviation
Area Code321/689
CityIndialantic
City Alias NameINDIALANTIC
CountyBrevard
County FIPS009
State FIPS12
Time Zone5
Day Light SavingY
MSA4900
PMSA
CSA
CBSA37340
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePalm Bay-Melbourne-Titusville, FL
MSA_NameMelbourne-Titusville-Palm Bay, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses453
Number Of Employees2479
Business First Quarter Payroll22700
Business Annual Payroll100897
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population543376
CBSA Division Population0
Congressional District08
Congressional LandArea1752.06
Delivery Residential6665
Delivery Business305
Delivery Total7286
Preferred Last Line KeyY22086
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22086
Land Area3.623000
Water Area5.733000
City Alias Code
City Mixed CaseIndialantic
City Alias Mixed CaseIndialantic
Box Count170
SFDU4254
MFDU1225
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number115790
Unique ZIP Name
SSA State County Code10040
Medicare CBSA Code37340
Medicare CBSA NamePalm Bay-Melbourne-Titusville, FL
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseBrevard

Florida Homeowners Insurance News & Information

  • 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 […]

  • 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: […]