Compare quotes for your home in 32038! Compare the best 12 carriers in minutes.
Compare 32038 Home Insurance Rates
Are you looking to easily compare home insurance prices online for your home in the 32038 area? The average homeowners premium in Florida for a standard homeowners policy is around $1,639/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 32038 zip code, the population size is around 10,141 with 4,039 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 32038.
Please give us a call now at 1-888-685-4704, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Fort White, FL Homeowners Insurance. Compare companies, quotes, coverages and more.
| Avg. FL Rate | Discounts | Savings | Shop Rates |
|---|---|---|---|
| $2,165 | up to 40% off | $866 |
32038 Home Insurance Average Premiums
$1389 /yr.
Shows Zip Code: 32038 lowest rates with discounts applied on average.
For the 32038, 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) | $1389 /yr. |
| Average Coverage: | $1639 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1939 /yr. |
What is the average home insurance cost for a home in 32038?
- • The average homeowners insurance premium paid annually for a home in 32038 is around $1639 per year.
What does it cost on average per month for home insurance in 32038?
- • Homeowners in 32038 pay a monthly average cost per month around $137.00.
What kind of discount could I get if I combine my home and auto insurance together in 32038?
- • Autoowners in 32038 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 Fort White area, check out other zip codes nearby 32038.
Review average rates in another zip code:
32038 homeowners insurance rates
Home Replacement Cost Coverage in 32038
Average Building Cost Per Square Foot in 32038: $167
Location: Fort White, Florida (Columbia County)Average Square Footage in 32038: 874 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32038 before you start any project. Fort White 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 32038 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 32038 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 874 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 Fort White 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $167 | 874 | $146,000 |
| Additional Upgrades & Added Features | $209 | 874 | $182,500 |
| Major Home Updates or Advancements | $251 | 874 | $219,000 |
It's important to understand that when you estimate your replacement cost of your home in the 32038 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 32038
Best Home & Auto Insurance Agencies in 32038
Housing Demographics for 32038
Population Review for 32038 Zip Code
For the city of Fort White, the population within 32038 has increased to over 11,086 residents in population size. The current population total is 10,141. We have broken down the population based on race below. In 32038, there are over 5071 in male population and 5070 females.
| Population | Values |
|---|---|
| Total Population | 10,141 |
| White Population | 8357 |
| Black Population | 698 |
| Hispanic Population | 673 |
| Asian Population | 50 |
| Hawaiian Population | 7 |
| Indian Population | 38 |
| Other Population | 174 |
| Male Population | 5071 |
| Female Population | 5070 |
| Population Estimate | 11086 |
Household Data for 32038
The average number of homes in 32038 is around 4,039, there are an average of 2.51 per household. The average house value according to local real estate values is around $146,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,039 |
| Persons Per Household | 2.51 |
| Average House Value | $146,000 |
| Income Per Household | $45188 |
| Median Age | 47.8 |
| Median Age Male | 46.5 |
| Median Age Female | 49.3 |
| 32038 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 386 |
| City | Fort White |
| City Alias Name | FORT WHITE |
| County | Columbia |
| County FIPS | 023 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 264 |
| CBSA | 29380 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Lake City, FL |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 79 |
| Number Of Employees | 240 |
| Business First Quarter Payroll | 1535 |
| Business Annual Payroll | 6948 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 67531 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 7306.05 |
| Delivery Residential | 4417 |
| Delivery Business | 153 |
| Delivery Total | 4985 |
| Preferred Last Line Key | Y21892 |
| Classification Code | |
| Multi-County | |
| CSA Name | Gainesville-Lake City, FL |
| CBSA_DIV_Name | |
| City State Key | Y21892 |
| Land Area | 107.089000 |
| Water Area | 0.105000 |
| City Alias Code | |
| City Mixed Case | Fort White |
| City Alias Mixed Case | Fort White |
| Box Count | 367 |
| SFDU | 4392 |
| MFDU | 0 |
| State ANSI | 12 |
| County ANSI | 023 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 113135 |
| Unique ZIP Name | |
| SSA State County Code | 10110 |
| Medicare CBSA Code | 99910 |
| Medicare CBSA Name | Rural Areas in FL |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 12 |
| County Mixed Case | Columbia |
Florida Homeowners Insurance News & Information
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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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 […]
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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 […]
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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 […]
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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 […]
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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 […]