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Home Insurance in 32460

One of the best ways to save money on your homeowners insurance policy in the 32460 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Sneads, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 32460 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 32460

Find Sneads, FL Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 32460

According to industry data, homeowners located in Sneads pay roughly $1625 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 32460 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Florida home insurance premiums found that premiums in 32460 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 32460 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 32460.

Let us find you a great policy at an affordable price, get 32460 homeowners insurance quotes now.

32460 Home Insurance Average Premiums

Local 32460 homeowners insurance quotes comparison

$1375 /yr.

Shows Zip Code: 32460 lowest rates with discounts applied on average.

For the 32460, 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)
$1375 /yr.
Average Coverage:$1625 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1925 /yr.

What is the average home insurance cost for a home in 32460?

  • • The average homeowners insurance premium paid annually for a home in 32460 is around $1625 per year.

What does it cost on average per month for home insurance in 32460?

  • • Homeowners in 32460 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 32460?

  • • Autoowners in 32460 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 Sneads area, check out other zip codes nearby 32460.
Review average rates in another zip code:
32460 homeowners insurance rates

Home Replacement Cost Coverage in 32460

Average Building Cost Per Square Foot in 32460: $167

Location: Sneads, Florida (Jackson County)

Average Square Footage in 32460: 570 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32460 before you start any project. Sneads 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 32460 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 32460 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 570 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 Sneads 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$167570$95,200
Additional Upgrades & Added Features$209570$119,000
Major Home Updates or Advancements$251570$142,800

It's important to understand that when you estimate your replacement cost of your home in the 32460 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 32460

Best Home & Auto Insurance Agencies in 32460

Housing Demographics for 32460

Population Review for 32460 Zip Code

For the city of Sneads, the population within 32460 has increased to over 3,663 residents in population size. The current population total is 5,409. We have broken down the population based on race below. In 32460, there are over 3590 in male population and 1819 females.

PopulationValues
Total Population5,409
White Population3470
Black Population1538
Hispanic Population368
Asian Population20
Hawaiian Population1
Indian Population11
Other Population186
Male Population3590
Female Population1819
Population Estimate3663

Household Data for 32460

The average number of homes in 32460 is around 1,579, there are an average of 2.28 per household. The average house value according to local real estate values is around $95,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,579
Persons Per Household2.28
Average House Value$95,200
Income Per Household$43942
Median Age40.7
Median Age Male39.5
Median Age Female45.3
32460 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code448/850
CitySneads
City Alias NameSNEADS
CountyJackson
County FIPS063
State FIPS12
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses42
Number Of Employees315
Business First Quarter Payroll1963
Business Annual Payroll8239
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea8613.58
Delivery Residential1607
Delivery Business64
Delivery Total6601
Preferred Last Line KeyY22899
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY22899
Land Area72.911000
Water Area14.602000
City Alias Code
City Mixed CaseSneads
City Alias Mixed CaseSneads
Box Count285
SFDU1506
MFDU75
State ANSI12
County ANSI063
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number118625
Unique ZIP Name
SSA State County Code10310
Medicare CBSA Code99910
Medicare CBSA NameRural Areas in FL
Medicare CBSA TypeMicro
Market Rating Area ID31
County Mixed CaseJackson

Florida Homeowners Insurance News & Information

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    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 […]

  • 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 […]

  • 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 […]