Compare quotes for your home in 32776! Compare the best 12 carriers in minutes.
Home Insurance in 32776
One of the best ways to save money on your homeowners insurance policy in the 32776 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Sorrento, FL. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our Florida licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 32776 zip code and you are ready to start saving on home insurance.
Quickly Compare Rate Quotes for 32776
Find Sorrento, FL Homeowners Insurance Quotes to review the best coverage options in your area.
Information on the Average Homeowners Premiums in 32776
According to industry data, homeowners located in Sorrento pay roughly $1612 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 32776 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of Florida home insurance premiums found that premiums in 32776 are 1 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
Start Shopping 32776 Home Insurance Quotes Right Now!
The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 32776.
Let us find you a great policy at an affordable price, get 32776 homeowners insurance quotes now.
32776 Home Insurance Average Premiums
$1362 /yr.
Shows Zip Code: 32776 lowest rates with discounts applied on average.
For the 32776, 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) | $1362 /yr. |
| Average Coverage: | $1612 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1912 /yr. |
What is the average home insurance cost for a home in 32776?
- • The average homeowners insurance premium paid annually for a home in 32776 is around $1612 per year.
What does it cost on average per month for home insurance in 32776?
- • Homeowners in 32776 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 32776?
- • Autoowners in 32776 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 Sorrento area, check out other zip codes nearby 32776.
Review average rates in another zip code:
32776 homeowners insurance rates
Home Replacement Cost Coverage in 32776
Average Building Cost Per Square Foot in 32776: $167
Location: Sorrento, Florida (Lake County)Average Square Footage in 32776: 1,792 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32776 before you start any project. Sorrento 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 32776 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 32776 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,792 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 Sorrento 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 | 1,792 | $299,200 |
| Additional Upgrades & Added Features | $209 | 1,792 | $374,000 |
| Major Home Updates or Advancements | $251 | 1,792 | $448,800 |
It's important to understand that when you estimate your replacement cost of your home in the 32776 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 32776
Best Home & Auto Insurance Agencies in 32776
Housing Demographics for 32776
Population Review for 32776 Zip Code
For the city of Sorrento, the population within 32776 has increased to over 13,190 residents in population size. The current population total is 12,456. We have broken down the population based on race below. In 32776, there are over 6207 in male population and 6249 females.
| Population | Values |
|---|---|
| Total Population | 12,456 |
| White Population | 9617 |
| Black Population | 566 |
| Hispanic Population | 2006 |
| Asian Population | 168 |
| Hawaiian Population | 6 |
| Indian Population | 63 |
| Other Population | 666 |
| Male Population | 6207 |
| Female Population | 6249 |
| Population Estimate | 13190 |
Household Data for 32776
The average number of homes in 32776 is around 4,496, there are an average of 2.77 per household. The average house value according to local real estate values is around $299,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,496 |
| Persons Per Household | 2.77 |
| Average House Value | $299,200 |
| Income Per Household | $77476 |
| Median Age | 41.9 |
| Median Age Male | 41.0 |
| Median Age Female | 42.6 |
| 32776 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 352 |
| City | Sorrento |
| City Alias Name | SORRENTO |
| County | Lake |
| County FIPS | 069 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5960 |
| PMSA | |
| CSA | 422 |
| CBSA | 36740 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Orlando-Kissimmee-Sanford, FL |
| MSA_Name | Orlando, FL MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 243 |
| Number Of Employees | 1771 |
| Business First Quarter Payroll | 20012 |
| Business Annual Payroll | 84705 |
| 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 | 2134411 |
| CBSA Division Population | 0 |
| Congressional District | 06|11 |
| Congressional LandArea | 2506.92|2509.88 |
| Delivery Residential | 4762 |
| Delivery Business | 83 |
| Delivery Total | 5418 |
| Preferred Last Line Key | Y22907 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Orlando-Lakeland-Deltona, FL |
| CBSA_DIV_Name | |
| City State Key | Y22907 |
| Land Area | 50.428000 |
| Water Area | 1.434000 |
| City Alias Code | |
| City Mixed Case | Sorrento |
| City Alias Mixed Case | Sorrento |
| Box Count | 393 |
| SFDU | 4410 |
| MFDU | 0 |
| State ANSI | 12 |
| County ANSI | 069 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 118655 |
| Unique ZIP Name | |
| SSA State County Code | 10340 |
| Medicare CBSA Code | 36740 |
| Medicare CBSA Name | Orlando-Kissimmee-Sanford, FL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 34 |
| County Mixed Case | Lake |
Florida Homeowners Insurance News & Information
-
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 […]
-
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. […]
-
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 […]
-
2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]
-
Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023
Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]