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32931 Home Insurance Rates & Premiums

Did you know there are over 13,643 people living within the 32931 zip code area? There are over 7,258 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 32931.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Florida are on the rise. The estimated average premium is around $1,659 a year for a standard homeowners insurance policy in Cocoa Beach. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Cocoa Beach, FL Homeowners Insurance Quotes Online

32931 Home Insurance Average Premiums

Local 32931 homeowners insurance quotes comparison

$1409 /yr.

Shows Zip Code: 32931 lowest rates with discounts applied on average.

For the 32931, 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)
$1409 /yr.
Average Coverage:$1659 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1959 /yr.

What is the average home insurance cost for a home in 32931?

  • • The average homeowners insurance premium paid annually for a home in 32931 is around $1659 per year.

What does it cost on average per month for home insurance in 32931?

  • • Homeowners in 32931 pay a monthly average cost per month around $138.00.

What kind of discount could I get if I combine my home and auto insurance together in 32931?

  • • Autoowners in 32931 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 Beach area, check out other zip codes nearby 32931.
Review average rates in another zip code:
32931 homeowners insurance rates

Home Replacement Cost Coverage in 32931

Average Building Cost Per Square Foot in 32931: $167

Location: Cocoa Beach, Florida (Brevard County)

Average Square Footage in 32931: 2,213 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32931 before you start any project. Cocoa Beach 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 32931 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 32931 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,213 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 Beach 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$1672,213$369,500
Additional Upgrades & Added Features$2092,213$461,875
Major Home Updates or Advancements$2512,213$554,250

It's important to understand that when you estimate your replacement cost of your home in the 32931 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 32931

Best Home & Auto Insurance Agencies in 32931

Allstate Insurance Companies

Address: 5799 N Atlantic Ave Cocoa Beach, FL 32931

Brevard Insurance & Marketing

Address: 3201 N Atlantic Ave Cocoa Beach, FL 32931
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Housing Demographics for 32931

Population Review for 32931 Zip Code

For the city of Cocoa Beach, the population within 32931 has increased to over 16,863 residents in population size. The current population total is 13,643. We have broken down the population based on race below. In 32931, there are over 6826 in male population and 6817 females.

Total Population13,643
White Population12120
Black Population122
Hispanic Population788
Asian Population236
Hawaiian Population8
Indian Population39
Other Population172
Male Population6826
Female Population6817
Population Estimate16863

Household Data for 32931

The average number of homes in 32931 is around 7,258, there are an average of 1.88 per household. The average house value according to local real estate values is around $369,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,258
Persons Per Household1.88
Average House Value$369,500
Income Per Household$75126
Median Age59.7
Median Age Male59.5
Median Age Female59.8
32931 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/689
CityCocoa Beach
City Alias NameCOCOA BEACH
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 Businesses556
Number Of Employees5734
Business First Quarter Payroll48214
Business Annual Payroll222182
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 Residential8970
Delivery Business666
Delivery Total10239
Preferred Last Line KeyY21605
Classification Code
CSA Name
City State KeyY21605
Land Area5.195000
Water Area14.876000
City Alias Code
City Mixed CaseCocoa Beach
City Alias Mixed CaseCocoa Beach
Box Count0
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number111740
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 […]