Home Insurance in 32132

Our rates are very competitive for homeowners living in the 32132 zip code. Many homeowners based out of Edgewater, FL 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 home insurance quotes are free and our FL 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 32132 should appear in the zip code field ready to go.

32132 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Edgewater area? The average homeowners premium in 32132 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32132, you can expect to pay around $1637 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 32132 Today!

Get Home Insurance Quotes in 32132

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32132 home insurance shopping today!

1. Edgewater, FL Home Insurance Quotes

Average Building Cost Per Square Foot in 32132: $167

Average Square Footage in 32132: 1,092 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32132 before you start any project. Edgewater 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 32132 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 32132 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,092 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 Edgewater 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.

It's important to understand that when you estimate your replacement cost of your home in the 32132 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.

Allstate Insurance Companies

Household Data for 32132

The average number of homes in 32132 is around 3,535, there are an average of 2.14 per household. The average house value according to local real estate values is around $182,300. Please review the following demographics below for average income and media age.

• 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

  Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

• Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

  Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

• Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

  Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

• 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

  While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

• $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 […]

• 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 […]

• 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 […]