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Searching for Homeowners Insurance in 32960

If you are a homeowners that lives in 32960 you may be searching for more affordable homeowners insurance in Vero Beach. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help. makes shopping your insurance policy quick and easy for residents of Vero Beach, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

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Get 32960 Home Insurance Rate Quotes Right Now!

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

Check Out 32960 Home Insurance Costs: very high!

In Vero Beach, homeowners are paying roughly $1646 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 32960 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Vero Beach are saving up to 40 percent on their policy costs by using

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32960 Home Insurance Average Premiums

Local 32960 homeowners insurance quotes comparison

$1396 /yr.

Shows Zip Code: 32960 lowest rates with discounts applied on average.

For the 32960, 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)
$1396 /yr.
Average Coverage:$1646 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1946 /yr.

What is the average home insurance cost for a home in 32960?

  • • The average homeowners insurance premium paid annually for a home in 32960 is around $1646 per year.

What does it cost on average per month for home insurance in 32960?

  • • Homeowners in 32960 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 32960?

  • • Autoowners in 32960 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 Vero Beach area, check out other zip codes nearby 32960.
Review average rates in another zip code:
32966 homeowners insurance rates
32963 homeowners insurance rates
32967 homeowners insurance rates
32968 homeowners insurance rates
32962 homeowners insurance rates
32960 homeowners insurance rates

Home Replacement Cost Coverage in 32960

Average Building Cost Per Square Foot in 32960: $167

Location: Vero Beach, Florida (Indian River County)

Average Square Footage in 32960: 1,155 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32960 before you start any project. Vero 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 32960 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 32960 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,155 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 Vero 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$1671,155$192,900
Additional Upgrades & Added Features$2091,155$241,125
Major Home Updates or Advancements$2511,155$289,350

It's important to understand that when you estimate your replacement cost of your home in the 32960 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 32960

A Auto Insurance World

Address: 1223 Orange Avenue Vero Beach, FL 32960
Phone: (772)569-7283

Banack Sid Insurance

Address: 2045 14th Avenue Vero Beach, FL 32960
Phone: (772)562-3369

Best Home & Auto Insurance Agencies in 32960

Allstate Insurance Vero Drive-In

Address: 333 17th St Vero Beach, FL 32960
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,

Allstate Insurance Company - D Aliff

Address: 3720 20th St Vero Beach, FL 32960

Bob Grice Ins Agency Inc - State Farm Insurance Agent

Address: 2601 20th St Vero Beach, FL 32960
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance - Danny Quillen

Address: 1324 16th St Vero Beach, FL 32960

Alan Jackson Ins Agy Inc - State Farm Insurance Agent

Address: 865 20th Pl, #2 Vero Beach, FL 32960
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Housing Demographics for 32960

Population Review for 32960 Zip Code

For the city of Vero Beach, the population within 32960 has increased to over 22,070 residents in population size. The current population total is 21,522. We have broken down the population based on race below. In 32960, there are over 10405 in male population and 11117 females.

Total Population21,522
White Population15944
Black Population1857
Hispanic Population3067
Asian Population523
Hawaiian Population12
Indian Population94
Other Population1121
Male Population10405
Female Population11117
Population Estimate22070

Household Data for 32960

The average number of homes in 32960 is around 9,856, there are an average of 2.07 per household. The average house value according to local real estate values is around $192,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,856
Persons Per Household2.07
Average House Value$192,900
Income Per Household$45111
Median Age48.2
Median Age Male45.2
Median Age Female50.6
32960 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
CityVero Beach
City Alias NameVERO BEACH
CountyIndian River
County FIPS061
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameSebastian-Vero Beach-West Vero Corridor, FL
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1475
Number Of Employees19555
Business First Quarter Payroll224295
Business Annual Payroll989146
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population138028
CBSA Division Population0
Congressional District08
Congressional LandArea1752.06
Delivery Residential10662
Delivery Business1872
Delivery Total11855
Preferred Last Line KeyY23168
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY23168
Land Area11.053000
Water Area0.412000
City Alias Code
City Mixed CaseVero Beach
City Alias Mixed CaseVero Beach
Box Count0
State ANSI12
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119210
Unique ZIP Name
SSA State County Code10300
Medicare CBSA Code42680
Medicare CBSA NameSebastian-Vero Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID30
County Mixed CaseIndian River

Florida Homeowners Insurance News & Information

  • 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 […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]