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Homeowners Insurance in 32966
Getting the most affordable home insurance rates in 32966 just got easier for Vero Beach, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Vero Beach. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Vero Beach, FL Home Insurance Quotes, Click to easily review rates!
Average Home Insurance Rates in 32966
When discussing Florida homeowners insurance rates, Vero Beach residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32966 zipcode are currently paying $1656 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Vero Beach does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.
32966 Home Insurance Average Premiums
For the 32966, 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) | $1406 /yr. |
Average Coverage: | $1656 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1956 /yr. |
What is the average home insurance cost for a home in 32966?
- • The average homeowners insurance premium paid annually for a home in 32966 is around $1656 per year.
What does it cost on average per month for home insurance in 32966?
- • Homeowners in 32966 pay a monthly average cost per month around $138.00.
What kind of discount could I get if I combine my home and auto insurance together in 32966?
- • Autoowners in 32966 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 32966.
Review average rates in another zip code:
32968 homeowners insurance rates
32960 homeowners insurance rates
32962 homeowners insurance rates
32963 homeowners insurance rates
32966 homeowners insurance rates
32967 homeowners insurance rates
Home Replacement Cost Coverage in 32966
Average Building Cost Per Square Foot in 32966: $167
Location: Vero Beach, Florida (Indian River County)Average Square Footage in 32966: 1,226 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32966 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 32966 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 32966 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,226 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 | 1,226 | $204,800 |
Additional Upgrades & Added Features | $209 | 1,226 | $256,000 |
Major Home Updates or Advancements | $251 | 1,226 | $307,200 |
It's important to understand that when you estimate your replacement cost of your home in the 32966 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 32966
Best Home & Auto Insurance Agencies in 32966
Housing Demographics for 32966
Population Review for 32966 Zip Code
For the city of Vero Beach, the population within 32966 has increased to over 23,871 residents in population size. The current population total is 19,724. We have broken down the population based on race below. In 32966, there are over 9099 in male population and 10625 females.
Population | Values |
---|---|
Total Population | 19,724 |
White Population | 16751 |
Black Population | 572 |
Hispanic Population | 1794 |
Asian Population | 370 |
Hawaiian Population | 4 |
Indian Population | 49 |
Other Population | 505 |
Male Population | 9099 |
Female Population | 10625 |
Population Estimate | 23871 |
Household Data for 32966
The average number of homes in 32966 is around 10,088, there are an average of 1.94 per household. The average house value according to local real estate values is around $204,800. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 10,088 |
Persons Per Household | 1.94 |
Average House Value | $204,800 |
Income Per Household | $57851 |
Median Age | 61.9 |
Median Age Male | 60.2 |
Median Age Female | 63.2 |
32966 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 | 475 |
Number Of Employees | 6528 |
Business First Quarter Payroll | 48769 |
Business Annual Payroll | 210478 |
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 | 12305 |
Delivery Business | 459 |
Delivery Total | 12518 |
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 | 259.755000 |
Water Area | 10.684000 |
City Alias Code | |
City Mixed Case | Vero Beach |
City Alias Mixed Case | Vero Beach |
Box Count | 0 |
SFDU | 5540 |
MFDU | 4165 |
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 […]