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32968 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 32968 zip code it's important to know that our rates are very competitive for homeowners living in Vero Beach, FL. Many homeowners based out of your 32968 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32968 should appear in the zip code field ready to go. For Vero Beach, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

32968: Average Home Insurance Rates

For homeowners living in the great city of Vero Beach, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1613 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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32968 Home Insurance Average Premiums

Local 32968 homeowners insurance quotes comparison

$1363 /yr.

Shows Zip Code: 32968 lowest rates with discounts applied on average.

For the 32968, 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)
$1363 /yr.
Average Coverage:$1613 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1913 /yr.

What is the average home insurance cost for a home in 32968?

  • • The average homeowners insurance premium paid annually for a home in 32968 is around $1613 per year.

What does it cost on average per month for home insurance in 32968?

  • • Homeowners in 32968 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32968?

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

Home Replacement Cost Coverage in 32968

Average Building Cost Per Square Foot in 32968: $167

Location: Vero Beach, Florida (Indian River County)

Average Square Footage in 32968: 1,792 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32968 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 32968 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 32968 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,792 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$1671,792$299,300
Additional Upgrades & Added Features$2091,792$374,125
Major Home Updates or Advancements$2511,792$448,950

It's important to understand that when you estimate your replacement cost of your home in the 32968 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 32968

Best Home & Auto Insurance Agencies in 32968

Housing Demographics for 32968

Population Review for 32968 Zip Code

For the city of Vero Beach, the population within 32968 has increased to over 17,067 residents in population size. The current population total is 15,006. We have broken down the population based on race below. In 32968, there are over 7427 in male population and 7579 females.

Total Population15,006
White Population12427
Black Population528
Hispanic Population1630
Asian Population278
Hawaiian Population4
Indian Population34
Other Population435
Male Population7427
Female Population7579
Population Estimate17067

Household Data for 32968

The average number of homes in 32968 is around 5,872, there are an average of 2.55 per household. The average house value according to local real estate values is around $299,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,872
Persons Per Household2.55
Average House Value$299,300
Income Per Household$82326
Median Age49.8
Median Age Male48.7
Median Age Female50.9
32968 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 Businesses302
Number Of Employees1901
Business First Quarter Payroll16441
Business Annual Payroll69894
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 Residential6693
Delivery Business194
Delivery Total9337
Preferred Last Line KeyY23168
Classification Code
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
City State KeyY23168
Land Area43.466000
Water Area0.043000
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 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 […]