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Compare 32935 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Melbourne just got easier with the quick quoting system provided by We make it easier for you and your 18,818 neighbors looking to save on their home insurance policy in the local 32935 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 32935. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Florida rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Melbourne, FL home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Melbourne, FL

32935 Home Insurance Average Premiums

Local 32935 homeowners insurance quotes comparison

$1388 /yr.

Shows Zip Code: 32935 lowest rates with discounts applied on average.

For the 32935, 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)
$1388 /yr.
Average Coverage:$1638 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1938 /yr.

What is the average home insurance cost for a home in 32935?

  • • The average homeowners insurance premium paid annually for a home in 32935 is around $1638 per year.

What does it cost on average per month for home insurance in 32935?

  • • Homeowners in 32935 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32935?

  • • Autoowners in 32935 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 32935.
Review average rates in another zip code:
32901 homeowners insurance rates
32934 homeowners insurance rates
32940 homeowners insurance rates
32904 homeowners insurance rates
32935 homeowners insurance rates

Home Replacement Cost Coverage in 32935

Average Building Cost Per Square Foot in 32935: $167

Location: Melbourne, Florida (Brevard County)

Average Square Footage in 32935: 1,092 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32935 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 32935 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 32935 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,092 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$1671,092$182,400
Additional Upgrades & Added Features$2091,092$228,000
Major Home Updates or Advancements$2511,092$273,600

It's important to understand that when you estimate your replacement cost of your home in the 32935 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 32935

Atlantic Coast Insurance

Address: 1740 Sarno Road Melbourne, FL 32935
Phone: (321)254-9799

Best Home & Auto Insurance Agencies in 32935

Allstate Insurance-A.L. 'Skip' Cox

Address: 1520 N Wickham Rd Melbourne, FL 32935
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent,

Rufo, Deborah - Deborah K Rufo & Association

Address: 3200 N Wickham Rd, #2 Melbourne, FL 32935

A A Insurance Center GB Inc

Address: 846 Sarno Rd Melbourne, FL 32935

Allstate Insurance - Jill K Mimbs

Address: 2845 N Harbor City Blvd, #2 Melbourne, FL 32935

Allstate Insurance Company

Address: 2351 W Eau Gallie Blvd, #3 Melbourne, FL 32935

Housing Demographics for 32935

Population Review for 32935 Zip Code

For the city of Melbourne, the population within 32935 has increased to over 43,392 residents in population size. The current population total is 41,837. We have broken down the population based on race below. In 32935, there are over 20380 in male population and 21457 females.

Total Population41,837
White Population31492
Black Population2662
Hispanic Population5343
Asian Population1161
Hawaiian Population36
Indian Population212
Other Population1744
Male Population20380
Female Population21457
Population Estimate43392

Household Data for 32935

The average number of homes in 32935 is around 18,818, there are an average of 2.20 per household. The average house value according to local real estate values is around $182,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,818
Persons Per Household2.20
Average House Value$182,400
Income Per Household$56749
Median Age43.6
Median Age Male41.0
Median Age Female46.3
32935 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 Businesses1266
Number Of Employees13123
Business First Quarter Payroll152977
Business Annual Payroll673076
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 Residential19724
Delivery Business1605
Delivery Total22509
Preferred Last Line KeyY22370
Classification Code
CSA Name
City State KeyY22370
Land Area13.142000
Water Area4.582000
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

  • 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 […]