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32812 Home Insurance Rates

For homeowners living in 32812, the population estimates are increasing to well over 34,586 with 14,119 occupied homes within the zip code of 32812. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Orlando have increased and the average home insurance premium is around $1,595 per year in 32812. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 32812 zip code today so we can help you find affordable Orlando, FL home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 32812

Please select one of the three options below based on your 32812 zip code to learn more about Florida homeowners insurance, plus review average rates and information per state, county or city.

  1. Florida Homeowners Insurance Quotes
  2. Orange County, FL Home Insurance
  3. Orlando, FL Home Insurance Quotes

32812 Average Home Insurance Rating Cost is: Very High!

Getting cheaper homeowners insurance in the 32812 zip code just got easier with GetHomeInsuranceQuotes.com of Orlando, FL. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 32812 today and let us help you review the best home insurance quotes available for homeowners living in Orlando.

Get 32812 Homeowners Insurance Rates Now!

32812 Home Insurance Average Premiums

Local 32812 homeowners insurance quotes comparison

$1345 /yr.

Shows Zip Code: 32812 lowest rates with discounts applied on average.

For the 32812, 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)
$1345 /yr.
Average Coverage:$1595 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1895 /yr.

What is the average home insurance cost for a home in 32812?

  • • The average homeowners insurance premium paid annually for a home in 32812 is around $1595 per year.

What does it cost on average per month for home insurance in 32812?

  • • Homeowners in 32812 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32812?

  • • Autoowners in 32812 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 Orlando area, check out other zip codes nearby 32812.
Review average rates in another zip code:
32836 homeowners insurance rates
32822 homeowners insurance rates
32810 homeowners insurance rates
32806 homeowners insurance rates
32824 homeowners insurance rates
32808 homeowners insurance rates
32817 homeowners insurance rates
32820 homeowners insurance rates
32804 homeowners insurance rates
32818 homeowners insurance rates

Home Replacement Cost Coverage in 32812

Average Building Cost Per Square Foot in 32812: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32812: 1,636 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32812 before you start any project. Orlando 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 32812 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 32812 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,636 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 Orlando 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$1671,636$273,200
Additional Upgrades & Added Features$2091,636$341,500
Major Home Updates or Advancements$2511,636$409,800

It's important to understand that when you estimate your replacement cost of your home in the 32812 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 32812

Affordable Insurance Inc

Address: 5062 South Conway Road Orlando, FL 32812
Phone: (407)381-4000
Website: www.affordableinsuranceonline.com

Best Home & Auto Insurance Agencies in 32812

Allstate Insurance Companies

Address: 4704 E Michigan St Orlando, FL 32812
Phone:
Website:
Info:

Affordable Insurance Inc

Address: 5062 S Conway Rd Orlando, FL 32812
Phone:
Website: http://www.affordableinsuranceonline.com
Info:

ACE Cash Express

Address: 4528 Curry Ford Road Orlando, FL 32812
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance - Patrick Edet

Address: 4504 Curry Ford Rd Orlando, FL 32812
Phone:
Website:
Info:

Allstate Insurance - Terry L Myers

Address: 4985 Hoffner Ave, #2 Orlando, FL 32812
Phone:
Website:
Info:

Housing Demographics for 32812

Population Review for 32812 Zip Code

For the city of Orlando, the population within 32812 has increased to over 36,202 residents in population size. The current population total is 34,586. We have broken down the population based on race below. In 32812, there are over 16765 in male population and 17821 females.

PopulationValues
Total Population34,586
White Population19043
Black Population2967
Hispanic Population13176
Asian Population1084
Hawaiian Population34
Indian Population162
Other Population4650
Male Population16765
Female Population17821
Population Estimate36202

Household Data for 32812

The average number of homes in 32812 is around 14,119, there are an average of 2.44 per household. The average house value according to local real estate values is around $273,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,119
Persons Per Household2.44
Average House Value$273,200
Income Per Household$59278
Median Age38.6
Median Age Male37.4
Median Age Female40.0
32812 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code321/407/689
CityOrlando
City Alias NameORLANDO
CountyOrange
County FIPS095
State FIPS12
Time Zone5
Day Light SavingY
MSA5960
PMSA
CSA422
CBSA36740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOrlando-Kissimmee-Sanford, FL
MSA_NameOrlando, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses623
Number Of Employees5037
Business First Quarter Payroll46322
Business Annual Payroll205262
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2134411
CBSA Division Population0
Congressional District09|10
Congressional LandArea1707.49|1129.32
Delivery Residential14837
Delivery Business436
Delivery Total19290
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area8.516000
Water Area0.960000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
SFDU7310
MFDU5380
State ANSI12
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number116915
Unique ZIP Name
SSA State County Code10470
Medicare CBSA Code36740
Medicare CBSA NameOrlando-Kissimmee-Sanford, FL
Medicare CBSA TypeMetro
Market Rating Area ID48
County Mixed CaseOrange

Florida Homeowners Insurance News & Information

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 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 […]