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32926 Homeowners Insurance Quotes & Rates

Cocoa residents living within the 9,325 homes available in the zip code of 32926 are shopping online to compare cheaper and more affordable Cocoa, FL home insurance rates. In the great city of Cocoa, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,670 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32926 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32926 home insurance rates today! Please give us a call now at 1-888-685-4704. For Cocoa, FL Homeowners Insurance Quotes, Click to easily get started!

32926 Home Insurance Average Premiums

Local 32926 homeowners insurance quotes comparison

$1420 /yr.

Shows Zip Code: 32926 lowest rates with discounts applied on average.

For the 32926, 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)
$1420 /yr.
Average Coverage:$1670 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1970 /yr.

What is the average home insurance cost for a home in 32926?

  • • The average homeowners insurance premium paid annually for a home in 32926 is around $1670 per year.

What does it cost on average per month for home insurance in 32926?

  • • Homeowners in 32926 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32926?

  • • Autoowners in 32926 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 Cocoa area, check out other zip codes nearby 32926.
Review average rates in another zip code:
32927 homeowners insurance rates
32922 homeowners insurance rates
32926 homeowners insurance rates

Home Replacement Cost Coverage in 32926

Average Building Cost Per Square Foot in 32926: $167

Location: Cocoa, Florida (Brevard County)

Average Square Footage in 32926: 1,237 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32926 before you start any project. Cocoa 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 32926 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 32926 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,237 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 Cocoa 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$1671,237$206,600
Additional Upgrades & Added Features$2091,237$258,250
Major Home Updates or Advancements$2511,237$309,900

It's important to understand that when you estimate your replacement cost of your home in the 32926 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 32926

Best Home & Auto Insurance Agencies in 32926

Allstate Insurance Companies

Address: 2301 SR-524 Cocoa, FL 32926

Housing Demographics for 32926

Population Review for 32926 Zip Code

For the city of Cocoa, the population within 32926 has increased to over 25,286 residents in population size. The current population total is 22,693. We have broken down the population based on race below. In 32926, there are over 11091 in male population and 11602 females.

Total Population22,693
White Population16880
Black Population2913
Hispanic Population1864
Asian Population283
Hawaiian Population17
Indian Population84
Other Population668
Male Population11091
Female Population11602
Population Estimate25286

Household Data for 32926

The average number of homes in 32926 is around 9,325, there are an average of 2.43 per household. The average house value according to local real estate values is around $206,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,325
Persons Per Household2.43
Average House Value$206,600
Income Per Household$55687
Median Age49.5
Median Age Male48.6
Median Age Female50.2
32926 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/689
City Alias NameCOCOA
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 Businesses459
Number Of Employees6401
Business First Quarter Payroll71381
Business Annual Payroll309754
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 Residential10406
Delivery Business501
Delivery Total11205
Preferred Last Line KeyY21604
Classification Code
CSA Name
City State KeyY21604
Land Area49.273000
Water Area6.025000
City Alias Code
City Mixed CaseCocoa
City Alias Mixed CaseCocoa
Box Count0
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111725
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 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: […]

  • 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 […]