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32976 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 32976? Our rates are very competitive for homeowners living in Sebastian, FL. Many homeowners based out of your 32976 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners 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 32976 should appear in the zip code field ready to go. For Sebastian, FL Home Insurance Rate Quotes click to review the best rates and service online!

32976 Average Premium is Rated: Very High!

Homeowners living in 32976 can easily save up to 40% off the average home insurance premium of $1603 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Sebastian that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32976 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 32976!

32976 Home Insurance Average Premiums

Local 32976 homeowners insurance quotes comparison

$1353 /yr.

Shows Zip Code: 32976 lowest rates with discounts applied on average.

For the 32976, 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)
$1353 /yr.
Average Coverage:$1603 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1903 /yr.

What is the average home insurance cost for a home in 32976?

  • • The average homeowners insurance premium paid annually for a home in 32976 is around $1603 per year.

What does it cost on average per month for home insurance in 32976?

  • • Homeowners in 32976 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 32976?

  • • Autoowners in 32976 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 Sebastian area, check out other zip codes nearby 32976.
Review average rates in another zip code:
32976 homeowners insurance rates
32958 homeowners insurance rates

Home Replacement Cost Coverage in 32976

Average Building Cost Per Square Foot in 32976: $167

Location: Sebastian, Florida (Brevard County)

Average Square Footage in 32976: 713 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32976 before you start any project. Sebastian 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 32976 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 32976 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 713 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 Sebastian 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$167713$119,000
Additional Upgrades & Added Features$209713$148,750
Major Home Updates or Advancements$251713$178,500

It's important to understand that when you estimate your replacement cost of your home in the 32976 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 32976

Best Home & Auto Insurance Agencies in 32976

Housing Demographics for 32976

Population Review for 32976 Zip Code

For the city of Sebastian, the population within 32976 has increased to over 11,602 residents in population size. The current population total is 9,618. We have broken down the population based on race below. In 32976, there are over 4527 in male population and 5091 females.

PopulationValues
Total Population9,618
White Population9029
Black Population65
Hispanic Population257
Asian Population34
Hawaiian Population2
Indian Population23
Other Population86
Male Population4527
Female Population5091
Population Estimate11602

Household Data for 32976

The average number of homes in 32976 is around 5,439, there are an average of 1.77 per household. The average house value according to local real estate values is around $119,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,439
Persons Per Household1.77
Average House Value$119,000
Income Per Household$43918
Median Age68.0
Median Age Male67.9
Median Age Female68.1
32976 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
CitySebastian
City Alias NameSEBASTIAN
CountyBrevard
County FIPS009
State FIPS12
Time Zone5
Day Light SavingY
MSA4900
PMSA
CSA
CBSA37340
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePalm Bay-Melbourne-Titusville, FL
MSA_NameMelbourne-Titusville-Palm Bay, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses89
Number Of Employees392
Business First Quarter Payroll2718
Business Annual Payroll12093
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 Residential6555
Delivery Business109
Delivery Total6612
Preferred Last Line KeyY22870
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22870
Land Area24.291000
Water Area2.550000
City Alias Code
City Mixed CaseSebastian
City Alias Mixed CaseSebastian
Box Count0
SFDU5463
MFDU43
State ANSI12
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118475
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • 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 […]