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32817 Homeowners Insurance Quotes & Rates

Orlando residents living within the 14,175 homes available in the zip code of 32817 are shopping online to compare cheaper and more affordable Orlando, FL home insurance rates. In the great city of Orlando, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,669 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32817 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32817 home insurance rates today! Please give us a call now at 1-888-685-4704. For Orlando, FL Homeowners Insurance Quotes, Click to easily get started!

32817 Home Insurance Average Premiums

Local 32817 homeowners insurance quotes comparison

$1419 /yr.

Shows Zip Code: 32817 lowest rates with discounts applied on average.

For the 32817, 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)
$1419 /yr.
Average Coverage:$1669 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1969 /yr.

What is the average home insurance cost for a home in 32817?

  • • The average homeowners insurance premium paid annually for a home in 32817 is around $1669 per year.

What does it cost on average per month for home insurance in 32817?

  • • Homeowners in 32817 pay a monthly average cost per month around $139.00.

What kind of discount could I get if I combine my home and auto insurance together in 32817?

  • • Autoowners in 32817 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 32817.
Review average rates in another zip code:
32832 homeowners insurance rates
32822 homeowners insurance rates
32826 homeowners insurance rates
32819 homeowners insurance rates
32824 homeowners insurance rates
32811 homeowners insurance rates
32817 homeowners insurance rates
32809 homeowners insurance rates
32804 homeowners insurance rates
32821 homeowners insurance rates

Home Replacement Cost Coverage in 32817

Average Building Cost Per Square Foot in 32817: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32817: 1,483 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32817 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 32817 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 32817 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,483 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$1671,483$247,700
Additional Upgrades & Added Features$2091,483$309,625
Major Home Updates or Advancements$2511,483$371,550

It's important to understand that when you estimate your replacement cost of your home in the 32817 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 32817

Best Home & Auto Insurance Agencies in 32817

ACE Cash Express

Address: 9914 East Colonial Drive Orlando, FL 32817
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance Company - Mirza Beg

Address: 8202 E Colonial Dr Orlando, FL 32817
Phone:
Website: http://www.allstateagencies.com/047662?cid=OTC-YP.com-IYP&att=TL
Info:

Aggressive Insurance Inc

Address: 9318 E Colonial Dr Orlando, FL 32817
Phone:
Website:
Info:

A American Auto Insurance

Address: 10513 East Colonial Drive Orlando, FL 32817
Phone:
Website:
Info:

English, Rocco F - State Farm Insurance Agent

Address: 10004 University Boulevard Orlando, FL 32817
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=592521
Info:

Housing Demographics for 32817

Population Review for 32817 Zip Code

For the city of Orlando, the population within 32817 has increased to over 31,235 residents in population size. The current population total is 40,376. We have broken down the population based on race below. In 32817, there are over 19422 in male population and 20954 females.

PopulationValues
Total Population40,376
White Population21788
Black Population3811
Hispanic Population12744
Asian Population3346
Hawaiian Population47
Indian Population168
Other Population4039
Male Population19422
Female Population20954
Population Estimate31235

Household Data for 32817

The average number of homes in 32817 is around 14,175, there are an average of 2.53 per household. The average house value according to local real estate values is around $247,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,175
Persons Per Household2.53
Average House Value$247,700
Income Per Household$70273
Median Age27.6
Median Age Male28.0
Median Age Female27.0
32817 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code407/321/689
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 Businesses820
Number Of Employees17208
Business First Quarter Payroll333713
Business Annual Payroll1369418
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 District10
Congressional LandArea1129.32
Delivery Residential12346
Delivery Business601
Delivery Total12662
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area11.731000
Water Area0.847000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
SFDU4644
MFDU2586
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

  • $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 […]

  • 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 […]