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32951 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32951 zip code find a great new policy that offers the coverage they need at a price they can afford. makes shopping for a new policy in Melbourne Beach, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32951.

Shopping for insurance quotes on is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32951 and start shopping.

Quickly and Easily Compare Average Rates for 32951

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Melbourne Beach, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32951

Homeowners in Melbourne Beach are paying roughly $1591 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32951 Home Insurance Average Premiums

Local 32951 homeowners insurance quotes comparison

$1341 /yr.

Shows Zip Code: 32951 lowest rates with discounts applied on average.

For the 32951, 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)
$1341 /yr.
Average Coverage:$1591 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1891 /yr.

What is the average home insurance cost for a home in 32951?

  • • The average homeowners insurance premium paid annually for a home in 32951 is around $1591 per year.

What does it cost on average per month for home insurance in 32951?

  • • Homeowners in 32951 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32951?

  • • Autoowners in 32951 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 Beach area, check out other zip codes nearby 32951.
Review average rates in another zip code:
32951 homeowners insurance rates

Home Replacement Cost Coverage in 32951

Average Building Cost Per Square Foot in 32951: $167

Location: Melbourne Beach, Florida (Brevard County)

Average Square Footage in 32951: 2,356 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32951 before you start any project. Melbourne 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 32951 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 32951 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,356 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 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$1672,356$393,500
Additional Upgrades & Added Features$2092,356$491,875
Major Home Updates or Advancements$2512,356$590,250

It's important to understand that when you estimate your replacement cost of your home in the 32951 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 32951

Best Home & Auto Insurance Agencies in 32951


Address: 170 Casseekee Trl Melbourne Beach, FL 32951

Housing Demographics for 32951

Population Review for 32951 Zip Code

For the city of Melbourne Beach, the population within 32951 has increased to over 13,014 residents in population size. The current population total is 11,525. We have broken down the population based on race below. In 32951, there are over 5690 in male population and 5835 females.

Total Population11,525
White Population10584
Black Population45
Hispanic Population519
Asian Population120
Hawaiian Population3
Indian Population10
Other Population61
Male Population5690
Female Population5835
Population Estimate13014

Household Data for 32951

The average number of homes in 32951 is around 5,562, there are an average of 2.07 per household. The average house value according to local real estate values is around $393,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,562
Persons Per Household2.07
Average House Value$393,500
Income Per Household$75094
Median Age60.9
Median Age Male60.9
Median Age Female60.9
32951 DetailsValues
State Full NameFlorida
City TypeB
City Alias AbbreviationMELBOURNE BCH
Area Code772
CityMelbourne 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 Businesses257
Number Of Employees1088
Business First Quarter Payroll9017
Business Annual Payroll43055
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 Residential6287
Delivery Business172
Delivery Total6930
Preferred Last Line KeyY22372
Classification Code
CSA Name
City State KeyY22372
Land Area8.136000
Water Area21.448000
City Alias Code
City Mixed CaseMelbourne Beach
City Alias Mixed CaseMelbourne Beach
Box Count192
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeB
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: […]