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If you live in the 32952 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Merritt Island have saved hundreds of dollars on their annual premium when using

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32952 and then compare quotes from a variety of nationwide insurance companies.

32952 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32952 the average premium for homeowners coverage is $1652 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32952. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 32952 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Merritt Island, FL home insurance quotes in your area.

32952 Home Insurance Average Premiums

Local 32952 homeowners insurance quotes comparison

$1402 /yr.

Shows Zip Code: 32952 lowest rates with discounts applied on average.

For the 32952, 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)
$1402 /yr.
Average Coverage:$1652 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1952 /yr.

What is the average home insurance cost for a home in 32952?

  • • The average homeowners insurance premium paid annually for a home in 32952 is around $1652 per year.

What does it cost on average per month for home insurance in 32952?

  • • Homeowners in 32952 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 32952?

  • • Autoowners in 32952 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 Merritt Island area, check out other zip codes nearby 32952.
Review average rates in another zip code:
32952 homeowners insurance rates
32953 homeowners insurance rates

Home Replacement Cost Coverage in 32952

Average Building Cost Per Square Foot in 32952: $167

Location: Merritt Island, Florida (Brevard County)

Average Square Footage in 32952: 2,002 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32952 before you start any project. Merritt Island 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 32952 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 32952 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,002 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 Merritt Island 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$1672,002$334,400
Additional Upgrades & Added Features$2092,002$418,000
Major Home Updates or Advancements$2512,002$501,600

It's important to understand that when you estimate your replacement cost of your home in the 32952 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 32952

Best Home & Auto Insurance Agencies in 32952

Bateman Chuck Insurance

Address: 700 E Merritt Island Cswy Merritt Island, FL 32952

A Abacus Mr Auto Insurance

Address: 128 E Merritt Island Cswy Merritt Island, FL 32952

Housing Demographics for 32952

Population Review for 32952 Zip Code

For the city of Merritt Island, the population within 32952 has increased to over 21,199 residents in population size. The current population total is 20,670. We have broken down the population based on race below. In 32952, there are over 10279 in male population and 10391 females.

Total Population20,670
White Population17456
Black Population325
Hispanic Population1569
Asian Population615
Hawaiian Population27
Indian Population98
Other Population276
Male Population10279
Female Population10391
Population Estimate21199

Household Data for 32952

The average number of homes in 32952 is around 8,954, there are an average of 2.30 per household. The average house value according to local real estate values is around $334,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,954
Persons Per Household2.30
Average House Value$334,400
Income Per Household$85120
Median Age52.8
Median Age Male51.9
Median Age Female53.5
32952 DetailsValues
State Full NameFlorida
City TypeP
City Alias AbbreviationMERRITT IS
Area Code321/689
CityMerritt Island
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 Businesses646
Number Of Employees6191
Business First Quarter Payroll56606
Business Annual Payroll251785
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 Residential9217
Delivery Business558
Delivery Total10451
Preferred Last Line KeyY22376
Classification Code
CSA Name
City State KeyY22376
Land Area12.305000
Water Area22.068000
City Alias Code
City Mixed CaseMerritt Island
City Alias Mixed CaseMerritt Island
Box Count0
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115835
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 […]