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Searching for Homeowners Insurance in 32960

If you are a homeowners that lives in 32960 you may be searching for more affordable homeowners insurance in Vero Beach. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Vero Beach, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 32960 Home Insurance Rate Quotes Right Now!

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

Check Out 32960 Home Insurance Costs: very high!

In Vero Beach, homeowners are paying roughly $1646 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 32960 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Vero Beach are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 32960 policy right now!

32960 Home Insurance Average Premiums

Local 32960 homeowners insurance quotes comparison

$1396 /yr.

Shows Zip Code: 32960 lowest rates with discounts applied on average.

For the 32960, 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)
$1396 /yr.
Average Coverage:$1646 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1946 /yr.

What is the average home insurance cost for a home in 32960?

  • • The average homeowners insurance premium paid annually for a home in 32960 is around $1646 per year.

What does it cost on average per month for home insurance in 32960?

  • • Homeowners in 32960 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 32960?

  • • Autoowners in 32960 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 Vero Beach area, check out other zip codes nearby 32960.
Review average rates in another zip code:
32960 homeowners insurance rates
32962 homeowners insurance rates
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Home Replacement Cost Coverage in 32960

Average Building Cost Per Square Foot in 32960: $167

Location: Vero Beach, Florida (Indian River County)

Average Square Footage in 32960: 1,155 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32960 before you start any project. Vero Beach 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 32960 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 32960 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,155 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 Vero Beach 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$1671,155$192,900
Additional Upgrades & Added Features$2091,155$241,125
Major Home Updates or Advancements$2511,155$289,350

It's important to understand that when you estimate your replacement cost of your home in the 32960 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 32960

Banack Sid Insurance

Address: 2045 14th Avenue Vero Beach, FL 32960
Phone: (772)562-3369
Website: www.banack.com

A Auto Insurance World

Address: 1223 Orange Avenue Vero Beach, FL 32960
Phone: (772)569-7283
Website:

Best Home & Auto Insurance Agencies in 32960

Alan Jackson Ins Agy Inc - State Farm Insurance Agent

Address: 865 20th Pl, #2 Vero Beach, FL 32960
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Bob Grice Ins Agency Inc - State Farm Insurance Agent

Address: 2601 20th St Vero Beach, FL 32960
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance - Danny Quillen

Address: 1324 16th St Vero Beach, FL 32960
Phone:
Website:
Info:

Allstate Insurance Vero Drive-In

Address: 333 17th St Vero Beach, FL 32960
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance Company - D Aliff

Address: 3720 20th St Vero Beach, FL 32960
Phone:
Website: http://www.allstateagencies.com/036945?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 32960

Population Review for 32960 Zip Code

For the city of Vero Beach, the population within 32960 has increased to over 22,070 residents in population size. The current population total is 21,522. We have broken down the population based on race below. In 32960, there are over 10405 in male population and 11117 females.

PopulationValues
Total Population21,522
White Population15944
Black Population1857
Hispanic Population3067
Asian Population523
Hawaiian Population12
Indian Population94
Other Population1121
Male Population10405
Female Population11117
Population Estimate22070

Household Data for 32960

The average number of homes in 32960 is around 9,856, there are an average of 2.07 per household. The average house value according to local real estate values is around $192,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,856
Persons Per Household2.07
Average House Value$192,900
Income Per Household$45111
Median Age48.2
Median Age Male45.2
Median Age Female50.6
32960 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code772
CityVero Beach
City Alias NameVERO BEACH
CountyIndian River
County FIPS061
State FIPS12
Time Zone5
Day Light SavingY
MSA
PMSA
CSA370
CBSA42680
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSebastian-Vero Beach-West Vero Corridor, FL
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1475
Number Of Employees19555
Business First Quarter Payroll224295
Business Annual Payroll989146
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population138028
CBSA Division Population0
Congressional District08
Congressional LandArea1752.06
Delivery Residential10662
Delivery Business1872
Delivery Total11855
Preferred Last Line KeyY23168
Classification Code
Multi-County
CSA NameMiami-Port St. Lucie-Fort Lauderdale, FL
CBSA_DIV_Name
City State KeyY23168
Land Area11.053000
Water Area0.412000
City Alias Code
City Mixed CaseVero Beach
City Alias Mixed CaseVero Beach
Box Count0
SFDU6641
MFDU1700
State ANSI12
County ANSI061
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number119210
Unique ZIP Name
SSA State County Code10300
Medicare CBSA Code42680
Medicare CBSA NameSebastian-Vero Beach, FL
Medicare CBSA TypeMetro
Market Rating Area ID30
County Mixed CaseIndian River

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 […]