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32828 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32828 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Orlando, FL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 32828.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32828 and start shopping.

Quickly and Easily Compare Average Rates for 32828

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Orlando, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32828

Homeowners in Orlando are paying roughly $1561 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32828 Home Insurance Average Premiums

Local 32828 homeowners insurance quotes comparison

$1311 /yr.

Shows Zip Code: 32828 lowest rates with discounts applied on average.

For the 32828, 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)
$1311 /yr.
Average Coverage:$1561 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1861 /yr.

What is the average home insurance cost for a home in 32828?

  • • The average homeowners insurance premium paid annually for a home in 32828 is around $1561 per year.

What does it cost on average per month for home insurance in 32828?

  • • Homeowners in 32828 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 32828?

  • • Autoowners in 32828 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 32828.
Review average rates in another zip code:
32818 homeowners insurance rates
32803 homeowners insurance rates
32831 homeowners insurance rates
32821 homeowners insurance rates
32820 homeowners insurance rates
32809 homeowners insurance rates
32808 homeowners insurance rates
32835 homeowners insurance rates
32828 homeowners insurance rates
32807 homeowners insurance rates

Home Replacement Cost Coverage in 32828

Average Building Cost Per Square Foot in 32828: $167

Location: Orlando, Florida (Orange County)

Average Square Footage in 32828: 1,892 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32828 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 32828 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 32828 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,892 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$1671,892$315,900
Additional Upgrades & Added Features$2091,892$394,875
Major Home Updates or Advancements$2511,892$473,850

It's important to understand that when you estimate your replacement cost of your home in the 32828 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 32828

Best Home & Auto Insurance Agencies in 32828

Metlife Auto & Home Agent: Cynthia Bravo-White

Address: 3662 Avalon Park East Boulevard #2073 Orlando, FL 32828
Phone:
Website: http://www.autohomeagent.metlife.com/
Info:

State Farm Insurance - Susan Collins Orlando

Address: 877 North Alafaya Trail Orlando, FL 32828
Phone:
Website: http://www.susancollins.biz/
Info:

Allstate Insurance Companies

Address: 13000 Avalon Lake Dr Orlando, FL 32828
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 32828

Population Review for 32828 Zip Code

For the city of Orlando, the population within 32828 has increased to over 70,475 residents in population size. The current population total is 68,428. We have broken down the population based on race below. In 32828, there are over 33171 in male population and 35257 females.

PopulationValues
Total Population68,428
White Population33184
Black Population7790
Hispanic Population25005
Asian Population5048
Hawaiian Population61
Indian Population259
Other Population7295
Male Population33171
Female Population35257
Population Estimate70475

Household Data for 32828

The average number of homes in 32828 is around 23,344, there are an average of 2.93 per household. The average house value according to local real estate values is around $315,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23,344
Persons Per Household2.93
Average House Value$315,900
Income Per Household$88668
Median Age34.1
Median Age Male32.1
Median Age Female35.8
32828 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 Businesses1164
Number Of Employees8707
Business First Quarter Payroll69646
Business Annual Payroll319615
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 Residential24053
Delivery Business581
Delivery Total28700
Preferred Last Line KeyY22611
Classification Code
Multi-County
CSA NameOrlando-Lakeland-Deltona, FL
CBSA_DIV_Name
City State KeyY22611
Land Area20.831000
Water Area0.383000
City Alias Code
City Mixed CaseOrlando
City Alias Mixed CaseOrlando
Box Count0
SFDU4071
MFDU5848
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

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    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 […]