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Homeowners Insurance in 32966

Getting the most affordable home insurance rates in 32966 just got easier for Vero Beach, FL home insurance shoppers who want to shop online at We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Vero Beach. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Vero Beach, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32966

When discussing Florida homeowners insurance rates, Vero Beach residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32966 zipcode are currently paying $1656 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Vero Beach does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32966 Home Insurance Average Premiums

Local 32966 homeowners insurance quotes comparison

$1406 /yr.

Shows Zip Code: 32966 lowest rates with discounts applied on average.

For the 32966, 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)
$1406 /yr.
Average Coverage:$1656 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1956 /yr.

What is the average home insurance cost for a home in 32966?

  • • The average homeowners insurance premium paid annually for a home in 32966 is around $1656 per year.

What does it cost on average per month for home insurance in 32966?

  • • Homeowners in 32966 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 32966?

  • • Autoowners in 32966 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 32966.
Review average rates in another zip code:
32967 homeowners insurance rates
32962 homeowners insurance rates
32966 homeowners insurance rates
32960 homeowners insurance rates
32968 homeowners insurance rates
32963 homeowners insurance rates

Home Replacement Cost Coverage in 32966

Average Building Cost Per Square Foot in 32966: $167

Location: Vero Beach, Florida (Indian River County)

Average Square Footage in 32966: 1,226 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32966 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 32966 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 32966 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,226 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$1671,226$204,800
Additional Upgrades & Added Features$2091,226$256,000
Major Home Updates or Advancements$2511,226$307,200

It's important to understand that when you estimate your replacement cost of your home in the 32966 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 32966

Best Home & Auto Insurance Agencies in 32966

Housing Demographics for 32966

Population Review for 32966 Zip Code

For the city of Vero Beach, the population within 32966 has increased to over 23,871 residents in population size. The current population total is 19,724. We have broken down the population based on race below. In 32966, there are over 9099 in male population and 10625 females.

Total Population19,724
White Population16751
Black Population572
Hispanic Population1794
Asian Population370
Hawaiian Population4
Indian Population49
Other Population505
Male Population9099
Female Population10625
Population Estimate23871

Household Data for 32966

The average number of homes in 32966 is around 10,088, there are an average of 1.94 per household. The average house value according to local real estate values is around $204,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,088
Persons Per Household1.94
Average House Value$204,800
Income Per Household$57851
Median Age61.9
Median Age Male60.2
Median Age Female63.2
32966 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 Businesses475
Number Of Employees6528
Business First Quarter Payroll48769
Business Annual Payroll210478
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 Residential12305
Delivery Business459
Delivery Total12518
Preferred Last Line KeyY23168
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY23168
Land Area259.755000
Water Area10.684000
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

  • 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: […]