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Home Insurance Quotes in 32439
Are you shopping for a cheaper homeowners insurance rate in 32439? Our rates are very competitive for homeowners living in Freeport, FL. Many homeowners located in the 32439 zip code 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 online quoting process is free to use 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. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 32439. To get free 32439 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 32439 zip code should appear in the zip code field ready to go. Shopping Freeport, FL Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 32439 to review the best rate coverages.
Your 32439 Home Insurance Costs Is Rated: Very High!
For the great city of Freeport, the average home insurance premium paid annually is around $1620 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our Florida specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Freeport and need insurance on your home in the 32439 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.
32439 Home Insurance Average Premiums
$1370 /yr.
Shows Zip Code: 32439 lowest rates with discounts applied on average.
For the 32439, 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) | $1370 /yr. |
| Average Coverage: | $1620 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1920 /yr. |
What is the average home insurance cost for a home in 32439?
- • The average homeowners insurance premium paid annually for a home in 32439 is around $1620 per year.
What does it cost on average per month for home insurance in 32439?
- • Homeowners in 32439 pay a monthly average cost per month around $135.00.
What kind of discount could I get if I combine my home and auto insurance together in 32439?
- • Autoowners in 32439 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 Freeport area, check out other zip codes nearby 32439.
Review average rates in another zip code:
32439 homeowners insurance rates
Home Replacement Cost Coverage in 32439
Average Building Cost Per Square Foot in 32439: $167
Location: Freeport, Florida (Walton County)Average Square Footage in 32439: 1,543 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32439 before you start any project. Freeport 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 32439 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 32439 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,543 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 Freeport 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 | 1,543 | $257,700 |
| Additional Upgrades & Added Features | $209 | 1,543 | $322,125 |
| Major Home Updates or Advancements | $251 | 1,543 | $386,550 |
It's important to understand that when you estimate your replacement cost of your home in the 32439 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 32439
Best Home & Auto Insurance Agencies in 32439
Housing Demographics for 32439
Population Review for 32439 Zip Code
For the city of Freeport, the population within 32439 has increased to over 18,857 residents in population size. The current population total is 12,943. We have broken down the population based on race below. In 32439, there are over 6447 in male population and 6496 females.
| Population | Values |
|---|---|
| Total Population | 12,943 |
| White Population | 10745 |
| Black Population | 258 |
| Hispanic Population | 1297 |
| Asian Population | 143 |
| Hawaiian Population | 13 |
| Indian Population | 126 |
| Other Population | 572 |
| Male Population | 6447 |
| Female Population | 6496 |
| Population Estimate | 18857 |
Household Data for 32439
The average number of homes in 32439 is around 4,990, there are an average of 2.59 per household. The average house value according to local real estate values is around $257,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,990 |
| Persons Per Household | 2.59 |
| Average House Value | $257,700 |
| Income Per Household | $68341 |
| Median Age | 40.7 |
| Median Age Male | 40.3 |
| Median Age Female | 41.1 |
| 32439 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 850/448 |
| City | Freeport |
| City Alias Name | FREEPORT |
| County | Walton |
| County FIPS | 131 |
| State FIPS | 12 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | 18880 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Crestview-Fort Walton Beach-Destin, FL |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 309 |
| Number Of Employees | 2061 |
| Business First Quarter Payroll | 21763 |
| Business Annual Payroll | 97592 |
| 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 | 180822 |
| CBSA Division Population | 0 |
| Congressional District | 01|02 |
| Congressional LandArea | 4016.3|8613.58 |
| Delivery Residential | 7281 |
| Delivery Business | 244 |
| Delivery Total | 7832 |
| Preferred Last Line Key | Y21896 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y21896 |
| Land Area | 96.500000 |
| Water Area | 2.924000 |
| City Alias Code | |
| City Mixed Case | Freeport |
| City Alias Mixed Case | Freeport |
| Box Count | 242 |
| SFDU | 4780 |
| MFDU | 50 |
| State ANSI | 12 |
| County ANSI | 131 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 113165 |
| Unique ZIP Name | |
| SSA State County Code | 10650 |
| Medicare CBSA Code | 18880 |
| Medicare CBSA Name | Crestview-Fort Walton Beach-Destin, FL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 66 |
| County Mixed Case | Walton |
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 […]