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Find the Best Home Insurance Rates in 32628
Shopping for homeowners insurance in 32628 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Cross City, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32628 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 32628
Find Cross City, FL Homeowners Insurance Quotes to review the best coverage options in your area.
32628 Home Insurance Rating is: very high!
In 32628 the average premium is $1638. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 32628, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32628!
32628 Home Insurance Average Premiums
$1388 /yr.
Shows Zip Code: 32628 lowest rates with discounts applied on average.
For the 32628, 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) | $1388 /yr. |
| Average Coverage: | $1638 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1938 /yr. |
What is the average home insurance cost for a home in 32628?
- • The average homeowners insurance premium paid annually for a home in 32628 is around $1638 per year.
What does it cost on average per month for home insurance in 32628?
- • Homeowners in 32628 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 32628?
- • Autoowners in 32628 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 Cross City area, check out other zip codes nearby 32628.
Review average rates in another zip code:
32628 homeowners insurance rates
Home Replacement Cost Coverage in 32628
Average Building Cost Per Square Foot in 32628: $167
Location: Cross City, Florida (Dixie County)Average Square Footage in 32628: 496 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32628 before you start any project. Cross City 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 32628 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 32628 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 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 Cross City 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 | 496 | $82,900 |
| Additional Upgrades & Added Features | $209 | 496 | $103,625 |
| Major Home Updates or Advancements | $251 | 496 | $124,350 |
It's important to understand that when you estimate your replacement cost of your home in the 32628 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 32628
Best Home & Auto Insurance Agencies in 32628
Housing Demographics for 32628
Population Review for 32628 Zip Code
For the city of Cross City, the population within 32628 has increased to over 2,606 residents in population size. The current population total is 5,343. We have broken down the population based on race below. In 32628, there are over 3519 in male population and 1824 females.
| Population | Values |
|---|---|
| Total Population | 5,343 |
| White Population | 3562 |
| Black Population | 1456 |
| Hispanic Population | 321 |
| Asian Population | 18 |
| Hawaiian Population | 3 |
| Indian Population | 24 |
| Other Population | 101 |
| Male Population | 3519 |
| Female Population | 1824 |
| Population Estimate | 2606 |
Household Data for 32628
The average number of homes in 32628 is around 1,353, there are an average of 2.56 per household. The average house value according to local real estate values is around $82,900. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,353 |
| Persons Per Household | 2.56 |
| Average House Value | $82,900 |
| Income Per Household | $38787 |
| Median Age | 40.9 |
| Median Age Male | 40.3 |
| Median Age Female | 43.4 |
| 32628 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 352 |
| City | Cross City |
| City Alias Name | CROSS CITY |
| County | Dixie |
| County FIPS | 029 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 95 |
| Number Of Employees | 1040 |
| Business First Quarter Payroll | 8865 |
| Business Annual Payroll | 39677 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 03 |
| Congressional LandArea | 7306.05 |
| Delivery Residential | 1018 |
| Delivery Business | 75 |
| Delivery Total | 1766 |
| Preferred Last Line Key | Y21655 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y21655 |
| Land Area | 88.078000 |
| Water Area | 0.489000 |
| City Alias Code | |
| City Mixed Case | Cross City |
| City Alias Mixed Case | Cross City |
| Box Count | 573 |
| SFDU | 928 |
| MFDU | 33 |
| State ANSI | 12 |
| County ANSI | 029 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 111935 |
| Unique ZIP Name | |
| SSA State County Code | 10140 |
| Medicare CBSA Code | 99910 |
| Medicare CBSA Name | Rural Areas in FL |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 14 |
| County Mixed Case | Dixie |
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 […]