Compare quotes for your home in 32976! Compare the best 12 carriers in minutes.
32976 Homeowners Insurance Rate Quotes
Are you shopping for homeowners insurance quotes in 32976? Our rates are very competitive for homeowners living in Sebastian, FL. Many homeowners based out of your 32976 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32976 should appear in the zip code field ready to go. For Sebastian, FL Home Insurance Rate Quotes click to review the best rates and service online!
32976 Average Premium is Rated: Very High!
Homeowners living in 32976 can easily save up to 40% off the average home insurance premium of $1603 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Sebastian that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 32976 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!
32976 Home Insurance Average Premiums
$1353 /yr.
Shows Zip Code: 32976 lowest rates with discounts applied on average.
For the 32976, 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) | $1353 /yr. |
| Average Coverage: | $1603 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1903 /yr. |
What is the average home insurance cost for a home in 32976?
- • The average homeowners insurance premium paid annually for a home in 32976 is around $1603 per year.
What does it cost on average per month for home insurance in 32976?
- • Homeowners in 32976 pay a monthly average cost per month around $134.00.
What kind of discount could I get if I combine my home and auto insurance together in 32976?
- • Autoowners in 32976 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 Sebastian area, check out other zip codes nearby 32976.
Review average rates in another zip code:
32958 homeowners insurance rates
32976 homeowners insurance rates
Home Replacement Cost Coverage in 32976
Average Building Cost Per Square Foot in 32976: $167
Location: Sebastian, Florida (Brevard County)Average Square Footage in 32976: 713 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32976 before you start any project. Sebastian 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 32976 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 32976 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 713 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 Sebastian 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 | 713 | $119,000 |
| Additional Upgrades & Added Features | $209 | 713 | $148,750 |
| Major Home Updates or Advancements | $251 | 713 | $178,500 |
It's important to understand that when you estimate your replacement cost of your home in the 32976 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 32976
Best Home & Auto Insurance Agencies in 32976
Housing Demographics for 32976
Population Review for 32976 Zip Code
For the city of Sebastian, the population within 32976 has increased to over 11,602 residents in population size. The current population total is 9,618. We have broken down the population based on race below. In 32976, there are over 4527 in male population and 5091 females.
| Population | Values |
|---|---|
| Total Population | 9,618 |
| White Population | 9029 |
| Black Population | 65 |
| Hispanic Population | 257 |
| Asian Population | 34 |
| Hawaiian Population | 2 |
| Indian Population | 23 |
| Other Population | 86 |
| Male Population | 4527 |
| Female Population | 5091 |
| Population Estimate | 11602 |
Household Data for 32976
The average number of homes in 32976 is around 5,439, there are an average of 1.77 per household. The average house value according to local real estate values is around $119,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 5,439 |
| Persons Per Household | 1.77 |
| Average House Value | $119,000 |
| Income Per Household | $43918 |
| Median Age | 68.0 |
| Median Age Male | 67.9 |
| Median Age Female | 68.1 |
| 32976 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 772 |
| City | Sebastian |
| City Alias Name | SEBASTIAN |
| County | Brevard |
| County FIPS | 009 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 4900 |
| PMSA | |
| CSA | |
| CBSA | 37340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Palm Bay-Melbourne-Titusville, FL |
| MSA_Name | Melbourne-Titusville-Palm Bay, FL MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 89 |
| Number Of Employees | 392 |
| Business First Quarter Payroll | 2718 |
| Business Annual Payroll | 12093 |
| 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 | 543376 |
| CBSA Division Population | 0 |
| Congressional District | 08 |
| Congressional LandArea | 1752.06 |
| Delivery Residential | 6555 |
| Delivery Business | 109 |
| Delivery Total | 6612 |
| Preferred Last Line Key | Y22870 |
| Classification Code | |
| Multi-County | |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | Y22870 |
| Land Area | 24.291000 |
| Water Area | 2.550000 |
| City Alias Code | |
| City Mixed Case | Sebastian |
| City Alias Mixed Case | Sebastian |
| Box Count | 0 |
| SFDU | 5463 |
| MFDU | 43 |
| State ANSI | 12 |
| County ANSI | 009 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 118475 |
| Unique ZIP Name | |
| SSA State County Code | 10040 |
| Medicare CBSA Code | 37340 |
| Medicare CBSA Name | Palm Bay-Melbourne-Titusville, FL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 5 |
| County Mixed Case | Brevard |
Florida Homeowners Insurance News & Information
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$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 […]
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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 […]
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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 […]