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Check Out 32963 Home Insurance Rates
Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Vero Beach, FL.
We will gather some basic information about your home in Vero Beach, FL and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.
Our service is always free and we have a team of Florida licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.
If you are ready to start researching homeowner insurance rates in 32963 simply click the "Get Multiple Quotes Now" button.
Research Home Insurance Quotes in 32963
We have pulled together a variety of data related to homeowners insurance in Florida. Simply click on one of the links below to learn about the average cost of homeowners insurance in Florida as well as local coverage options.
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.
32963 Homeowners Insurance Rates, Average Rating: very high!
Homeowners insurance policies in 32963 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.
Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.
Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Florida is roughly $1523. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.
Get started right now saving on your 32963 homeowners insurance policy!
32963 Home Insurance Average Premiums
For the 32963, 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) | $1273 /yr. |
Average Coverage: | $1523 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1823 /yr. |
What is the average home insurance cost for a home in 32963?
- • The average homeowners insurance premium paid annually for a home in 32963 is around $1523 per year.
What does it cost on average per month for home insurance in 32963?
- • Homeowners in 32963 pay a monthly average cost per month around $127.00.
What kind of discount could I get if I combine my home and auto insurance together in 32963?
- • Autoowners in 32963 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 32963.
Review average rates in another zip code:
32966 homeowners insurance rates
32962 homeowners insurance rates
32960 homeowners insurance rates
32968 homeowners insurance rates
32967 homeowners insurance rates
32963 homeowners insurance rates
Home Replacement Cost Coverage in 32963
Average Building Cost Per Square Foot in 32963: $167
Location: Vero Beach, Florida (Indian River County)Average Square Footage in 32963: 4,060 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32963 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 32963 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 32963 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,060 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
---|---|---|---|
Basic Home Features | $167 | 4,060 | $678,100 |
Additional Upgrades & Added Features | $209 | 4,060 | $847,625 |
Major Home Updates or Advancements | $251 | 4,060 | $1,017,150 |
It's important to understand that when you estimate your replacement cost of your home in the 32963 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 32963
Cassady-Carroll Insurance
Address: 645 Beachland Boulevard Suite 3 Vero Beach, FL 32963Phone: (772)231-1313
Website:
Best Home & Auto Insurance Agencies in 32963
Housing Demographics for 32963
Population Review for 32963 Zip Code
For the city of Vero Beach, the population within 32963 has increased to over 21,851 residents in population size. The current population total is 16,291. We have broken down the population based on race below. In 32963, there are over 7692 in male population and 8599 females.
Population | Values |
---|---|
Total Population | 16,291 |
White Population | 15328 |
Black Population | 41 |
Hispanic Population | 568 |
Asian Population | 139 |
Hawaiian Population | 3 |
Indian Population | 15 |
Other Population | 113 |
Male Population | 7692 |
Female Population | 8599 |
Population Estimate | 21851 |
Household Data for 32963
The average number of homes in 32963 is around 8,435, there are an average of 1.93 per household. The average house value according to local real estate values is around $678,100. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 8,435 |
Persons Per Household | 1.93 |
Average House Value | $678,100 |
Income Per Household | $126650 |
Median Age | 68.6 |
Median Age Male | 69.2 |
Median Age Female | 68.1 |
32963 Details | Values |
---|---|
State | FL |
State Full Name | Florida |
City Type | P |
City Alias Abbreviation | |
Area Code | 772 |
City | Vero Beach |
City Alias Name | VERO BEACH |
County | Indian River |
County FIPS | 061 |
State FIPS | 12 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | |
PMSA | |
CSA | 370 |
CBSA | 42680 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Sebastian-Vero Beach-West Vero Corridor, FL |
MSA_Name | |
PMSA_Name | |
Region | South |
Division | South Atlantic |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 573 |
Number Of Employees | 5671 |
Business First Quarter Payroll | 90796 |
Business Annual Payroll | 350353 |
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 | 138028 |
CBSA Division Population | 0 |
Congressional District | 08 |
Congressional LandArea | 1752.06 |
Delivery Residential | 11322 |
Delivery Business | 491 |
Delivery Total | 13545 |
Preferred Last Line Key | Y23168 |
Classification Code | |
Multi-County | |
CSA Name | Miami-Port St. Lucie-Fort Lauderdale, FL |
CBSA_DIV_Name | |
City State Key | Y23168 |
Land Area | 17.416000 |
Water Area | 24.380000 |
City Alias Code | |
City Mixed Case | Vero Beach |
City Alias Mixed Case | Vero Beach |
Box Count | 0 |
SFDU | 7023 |
MFDU | 3230 |
State ANSI | 12 |
County ANSI | 061 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | Y |
Carrier Route Rate Sortation | D |
Finance Number | 119210 |
Unique ZIP Name | |
SSA State County Code | 10300 |
Medicare CBSA Code | 42680 |
Medicare CBSA Name | Sebastian-Vero Beach, FL |
Medicare CBSA Type | Metro |
Market Rating Area ID | 30 |
County Mixed Case | Indian River |
Florida Homeowners Insurance News & Information
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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 […]
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What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024
If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]
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Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]