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34232 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 34232 zip code it's important to know that our rates are very competitive for homeowners living in Sarasota, FL. Many homeowners based out of your 34232 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 34232 should appear in the zip code field ready to go. For Sarasota, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

34232: Average Home Insurance Rates

For homeowners living in the great city of Sarasota, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1571 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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34232 Home Insurance Average Premiums

Local 34232 homeowners insurance quotes comparison

$1321 /yr.

Shows Zip Code: 34232 lowest rates with discounts applied on average.

For the 34232, 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)
$1321 /yr.
Average Coverage:$1571 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1871 /yr.

What is the average home insurance cost for a home in 34232?

  • • The average homeowners insurance premium paid annually for a home in 34232 is around $1571 per year.

What does it cost on average per month for home insurance in 34232?

  • • Homeowners in 34232 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 34232?

  • • Autoowners in 34232 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 Sarasota area, check out other zip codes nearby 34232.
Review average rates in another zip code:
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34236 homeowners insurance rates

Home Replacement Cost Coverage in 34232

Average Building Cost Per Square Foot in 34232: $167

Location: Sarasota, Florida (Sarasota County)

Average Square Footage in 34232: 1,496 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 34232 before you start any project. Sarasota 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 34232 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 34232 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,496 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 Sarasota 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$1671,496$249,800
Additional Upgrades & Added Features$2091,496$312,250
Major Home Updates or Advancements$2511,496$374,700

It's important to understand that when you estimate your replacement cost of your home in the 34232 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 34232

Best Home & Auto Insurance Agencies in 34232

Housing Demographics for 34232

Population Review for 34232 Zip Code

For the city of Sarasota, the population within 34232 has increased to over 36,388 residents in population size. The current population total is 34,671. We have broken down the population based on race below. In 34232, there are over 16510 in male population and 18161 females.

Total Population34,671
White Population27397
Black Population793
Hispanic Population5408
Asian Population695
Hawaiian Population16
Indian Population163
Other Population1817
Male Population16510
Female Population18161
Population Estimate36388

Household Data for 34232

The average number of homes in 34232 is around 14,904, there are an average of 2.29 per household. The average house value according to local real estate values is around $249,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,904
Persons Per Household2.29
Average House Value$249,800
Income Per Household$73212
Median Age47.0
Median Age Male44.7
Median Age Female49.1
34232 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code941
City Alias NameSARASOTA
County FIPS115
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameNorth Port-Bradenton-Sarasota, FL
MSA_NameSarasota-Bradenton, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1260
Number Of Employees12221
Business First Quarter Payroll191883
Business Annual Payroll759581
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population702281
CBSA Division Population0
Congressional District17
Congressional LandArea6369.97
Delivery Residential15890
Delivery Business781
Delivery Total18848
Preferred Last Line KeyY22859
Classification Code
CSA NameNorth Port-Bradenton, FL
City State KeyY22859
Land Area11.033000
Water Area0.369000
City Alias Code
City Mixed CaseSarasota
City Alias Mixed CaseSarasota
Box Count584
State ANSI12
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number118430
Unique ZIP Name
SSA State County Code10570
Medicare CBSA Code35840
Medicare CBSA NameNorth Port-Sarasota-Bradenton, FL
Medicare CBSA TypeMetro
Market Rating Area ID56
County Mixed CaseSarasota

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: […]