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32904 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32904? Our rates are very competitive for homeowners living in Melbourne, FL. Many homeowners based out of your 32904 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida 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 32904 should appear in the zip code field ready to go. For Melbourne, FL Home Insurance Rate Quotes click to review the best rates and service online!

32904 Average Premium is Rated: Very High!

Homeowners living in 32904 can easily save up to 40% off the average home insurance premium of $1605 a year by comparing rates with us at You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Melbourne that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32904 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32904!

32904 Home Insurance Average Premiums

Local 32904 homeowners insurance quotes comparison

$1355 /yr.

Shows Zip Code: 32904 lowest rates with discounts applied on average.

For the 32904, 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)
$1355 /yr.
Average Coverage:$1605 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1905 /yr.

What is the average home insurance cost for a home in 32904?

  • • The average homeowners insurance premium paid annually for a home in 32904 is around $1605 per year.

What does it cost on average per month for home insurance in 32904?

  • • Homeowners in 32904 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 32904?

  • • Autoowners in 32904 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 Melbourne area, check out other zip codes nearby 32904.
Review average rates in another zip code:
32935 homeowners insurance rates
32901 homeowners insurance rates
32940 homeowners insurance rates
32904 homeowners insurance rates
32934 homeowners insurance rates

Home Replacement Cost Coverage in 32904

Average Building Cost Per Square Foot in 32904: $167

Location: Melbourne, Florida (Brevard County)

Average Square Footage in 32904: 1,528 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32904 before you start any project. Melbourne 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 32904 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 32904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,528 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 Melbourne 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$1671,528$255,200
Additional Upgrades & Added Features$2091,528$319,000
Major Home Updates or Advancements$2511,528$382,800

It's important to understand that when you estimate your replacement cost of your home in the 32904 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 32904

Agency Insurance Inc

Address: 1510 S Wickham Rd # B Melbourne, FL 32904
Phone: (321)956-9646

Best Home & Auto Insurance Agencies in 32904

Agency Insurance Inc

Address: 1510 S Wickham Rd Melbourne, FL 32904

Auto-Owners Insurance

Address: 460 S Wickham Rd Melbourne, FL 32904

Allstate Insurance Companies

Address: 1613 S Wickham Rd West Melbourne, FL 32904
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Housing Demographics for 32904

Population Review for 32904 Zip Code

For the city of Melbourne, the population within 32904 has increased to over 42,379 residents in population size. The current population total is 35,399. We have broken down the population based on race below. In 32904, there are over 17301 in male population and 18098 females.

Total Population35,399
White Population26395
Black Population1698
Hispanic Population4057
Asian Population2269
Hawaiian Population22
Indian Population135
Other Population1043
Male Population17301
Female Population18098
Population Estimate42379

Household Data for 32904

The average number of homes in 32904 is around 14,369, there are an average of 2.42 per household. The average house value according to local real estate values is around $255,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,369
Persons Per Household2.42
Average House Value$255,200
Income Per Household$75801
Median Age44.0
Median Age Male41.5
Median Age Female46.5
32904 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/689
City Alias NameMELBOURNE
County FIPS009
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NamePalm Bay-Melbourne-Titusville, FL
MSA_NameMelbourne-Titusville-Palm Bay, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1260
Number Of Employees21645
Business First Quarter Payroll284985
Business Annual Payroll1178310
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 Residential17512
Delivery Business1449
Delivery Total19607
Preferred Last Line KeyY22370
Classification Code
CSA Name
City State KeyY22370
Land Area217.072000
Water Area4.625000
City Alias Code
City Mixed CaseMelbourne
City Alias Mixed CaseMelbourne
Box Count0
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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: […]