Get multiple home insurance quotes in 33032. Our licensed 33032, FL agents are ready to serve you.

Searching for Homeowners Insurance in 33032

If you are a homeowners that lives in 33032 you may be searching for more affordable homeowners insurance in Homestead. 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.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Homestead, 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.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 33032 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 Homestead, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 33032 Home Insurance Costs: very high!

In Homestead, homeowners are paying roughly $1632 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 33032 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 Homestead are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 33032 policy right now!

33032 Home Insurance Average Premiums

Local 33032 homeowners insurance quotes comparison

$1382 /yr.

Shows Zip Code: 33032 lowest rates with discounts applied on average.

For the 33032, 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)
$1382 /yr.
Average Coverage:$1632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1932 /yr.

What is the average home insurance cost for a home in 33032?

  • • The average homeowners insurance premium paid annually for a home in 33032 is around $1632 per year.

What does it cost on average per month for home insurance in 33032?

  • • Homeowners in 33032 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 33032?

  • • Autoowners in 33032 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 Homestead area, check out other zip codes nearby 33032.
Review average rates in another zip code:
33032 homeowners insurance rates
33030 homeowners insurance rates
33033 homeowners insurance rates
33031 homeowners insurance rates
33035 homeowners insurance rates
33039 homeowners insurance rates
33034 homeowners insurance rates

Home Replacement Cost Coverage in 33032

Average Building Cost Per Square Foot in 33032: $167

Location: Homestead, Florida (Miami-dade County)

Average Square Footage in 33032: 1,674 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 33032 before you start any project. Homestead 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 33032 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 33032 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,674 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 Homestead 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$1671,674$279,500
Additional Upgrades & Added Features$2091,674$349,375
Major Home Updates or Advancements$2511,674$419,250

It's important to understand that when you estimate your replacement cost of your home in the 33032 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 33032

Best Home & Auto Insurance Agencies in 33032

Allstate Insurance Companies

Address: 15260 SW 280th St Homestead, FL 33032
Phone:
Website: http://www.allstate.com
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.com

Housing Demographics for 33032

Population Review for 33032 Zip Code

For the city of Homestead, the population within 33032 has increased to over 71,973 residents in population size. The current population total is 58,727. We have broken down the population based on race below. In 33032, there are over 28087 in male population and 30640 females.

PopulationValues
Total Population58,727
White Population14008
Black Population12969
Hispanic Population40184
Asian Population918
Hawaiian Population8
Indian Population211
Other Population8187
Male Population28087
Female Population30640
Population Estimate71973

Household Data for 33032

The average number of homes in 33032 is around 17,388, there are an average of 3.37 per household. The average house value according to local real estate values is around $279,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,388
Persons Per Household3.37
Average House Value$279,500
Income Per Household$64109
Median Age34.0
Median Age Male32.6
Median Age Female35.2
33032 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code305/786
CityHomestead
City Alias NameHOMESTEAD
CountyMiami-dade
County FIPS086
State FIPS12
Time Zone5
Day Light SavingY
MSA4992
PMSA5000
CSA370
CBSA33100
CBSA_DIV33124
CBSA_TypeMetro
CBSA_NameMiami-Fort Lauderdale-West Palm Beach, FL
MSA_NameMiami-Fort Lauderdale, FL CMSA
PMSA_NameMiami, FL PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses665
Number Of Employees4577
Business First Quarter Payroll36141
Business Annual Payroll160423
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5564635
CBSA Division Population2496435
Congressional District28
Congressional LandArea0
Delivery Residential21357
Delivery Business598
Delivery Total21724
Preferred Last Line KeyY22064
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_NameMiami-Miami Beach-Kendall, FL
City State KeyY22064
Land Area18.240000
Water Area0.793000
City Alias Code
City Mixed CaseHomestead
City Alias Mixed CaseHomestead
Box Count1
SFDU7817
MFDU3009
State ANSI12
County ANSI086
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114050
Unique ZIP Name
SSA State County Code10120
Medicare CBSA Code33124
Medicare CBSA NameMiami-Miami Beach-Kendall, FL
Medicare CBSA TypeMetro
Market Rating Area ID43
County Mixed CaseMiami-Dade

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 […]