Jacksonville Insurance Rates:

Jacksonville, NC home insurance is nearly $506 to $686, about $42-$57/month. Our comprehensive research reveals consumers can save as much as $238 by getting different quotes

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Jacksonville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $50/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2150 sqft Vacation Property Constructed In 1982 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $650/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1830 sqft Primary Residence Constructed In 1994 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1150/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 3600 sqft Rental Property Constructed In 1997 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1770 sqft Seasonal Residence Constructed In 1978 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $360/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1840 sqft Seasonal Residence Constructed In 2002 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $220/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 2150 sqft Rental Property Constructed In 2001 with Linoleum, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $570/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3240 sqft Rental Property Constructed In 2013 with Linoleum, Composition Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $790/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 2950 sqft Vacation Property Constructed In 2014 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Female who is Retired and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1130/6 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 2939 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Jacksonville, NC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
28546 $155,100 $600
28540 $145,900 $600

Jacksonville Rates & Quotes Analysis:

Jacksonville Area Estimated House Insurance
Titus Ln, Covered Wagon Trl, State Rd 1212, Ferris Ln, Commons Dr N, Brandy Ct, State Rd 1200, Bordeaux St, Northwoods Dr, Anne St$595
Foxwood Ct, Valencia Dr, Burton Pl, Ponderosa Dr, Old Glory Ln, Peachtree Dr, Byron Ln, Richmond Dr, Murifield Dr, Backer Cir$598
Mimosa Cir, Old Post Ct, State Rd 1211, Buster Ct, Morning Dr, Doris Ave, Montgomery Ct, Winter Ct, Whiteleaf Dr, State Rd 1329$598
Company St W, Windy Branch Way, Rusty Ct, David Pl, Odell Ln, Daigle St, Cypress Bay Dr, Cox Ave, Hardy Graham Rd, Lakewood Dr$593
Wilbur Rd, State Rd 1206, Finley Ln, Milestone Ct, Essex Ct, State Rd 1168, Circuit Ln, Pony Farm Rd, Wood Dr, Atlanta Rd$601
Union Chapel Church Rd, Angie Ct, Mack Ln, State Rd 1115, Dunhill Ct, Sunny Vale Ct, Carlistle Ct, Orr Dr, Belvedere Ct, State Rd 1208$591
Suffolk Cir, Briar Hollow Dr, W Pebble Ct, State Rd 1130, Lejeune Blvd, Ellis Blvd, State Rd 1159, Church St, Hagaru Dr, Scotsdale Ct$610
Bancroft St, Community Dr, Munda Pl, Fox Run Rd, Steller Rd, Highwood Ct, State Rd 1246, Spargo St, Fawn Trl, Pekin St$595
Mallard Dr, Navy Blue Dr, State Rd 1370, Dawn Ct, Thorn Ln, Blue Creek Rd, Compton St, Blue Angel Ct, Foster Rd, State Rd 1215$605
Magnolia Gardens Dr, State Rd 1314, Barn St, Springdale Dr, Armstrong Dr, Spring Villa Ct, Telemark Ln, Treehaven Ln, McAllister Rd, Campbell Pl$584

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,433 Homes (18% of total homes ) built between 1970 to 1979 in Jacksonville are paying home insurance between $966-$974. Places close to Jacksonville, NC such as Holly Ridge, North Topsail Beach, Surf City are more expensive by $15, $79, $97 respectively while Potters Hill and Maysville are cheaper by $36 and $21 respectively for similar homes.
  • Bedrooms: 9,142 2 bedrooms homes (31% of total homes ) in Jacksonville are paying about $364 and varies from Stump Sound (+$3), Holly Ridge (+$6), North Topsail Beach (+$30), Camp Lejeune (-$3) and Potters Hill (-$8).
  • Auto Insurance Bundling: 4,193 Households (29% of all households) in Jacksonville have 3 or more vehicles available and when it is bundled with home insurance you can save $149 in contrast with Onslow County ($149), Half Moon ($149), Pumpkin Center ($148).
  • Senior Discounts: 5,577 seniors (more than 55 years) occupied housing units (39% of total) in Jacksonville get discounts between $89 to $91 compared to Onslow County ($89), Hofmann Forest ($82), Camp Lejeune ($88).
  • New Homes discounts: New homes such as the 13,143 homes built between 2000 to 2009 in Jacksonville can save $119 and differs from Onslow County ($119), Half Moon ($119), Pumpkin Center ($118).

Jacksonville Homeowners insurance Facts

  • Jacksonville, NC has 14,061 owner occupied houses which is 52.4% of all units whereas Jacksonville, Half Moon and Pumpkin Center have 52.39%, 71.54% and 78.37% respectively.
  • Jacksonville, NC homeowners yearly insurance price at $596 is 0.41% of the typical house value of $144,400 which is in contrast with 0.41% in Jacksonville, 0.41% at Half Moon & 0.43% in Pumpkin Center.
  • Homeowners in Jacksonville, NC pay 1.04% of their income ($45,000 to $49,999) in insurance whereas homeowners in Jacksonville, Half Moon and Pumpkin Center pay 1.04%, 1.04% and 1.03% respectively.
  • Jacksonville, NC’s insurance is 3.9% of monthly housing costs of $1,275/month, for owners with a mortgage compared to 3.9% in Jacksonville, 3.8% at Half Moon & 4.38% in Pumpkin Center. But, for households without a mortgage, insurance is 12.3% of costs ($404 in Jacksonville, NC) in contrast with 12.29% in Jacksonville, 14.19% at Half Moon & 15.66% in Pumpkin Center.

Jacksonville, NC Home Values & Insurance rates

For example, insurance for 571 Homes (4.0% of total homes ) valued between $80,000 to $89,999 in Jacksonville, NC is about $345. Rates in nearby areas in such as Richlands, Stump Sound, Sneads Ferry are cheaper by $5, $33, $11 respectively while Pumpkin Center and Potters Hill are costlier by $17 and $292 respectively for similar homes.

Jacksonville, NC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 747 5.0% $101
$60,000 to $69,999 380 2.0% $268
$70,000 to $79,999 193 1.0% $303
$80,000 to $89,999 571 4.0% $345
$90,000 to $99,999 553 4.0% $387
$100,000 to $124,999 2,285 16.0% $452
$125,000 to $149,999 2,813 20.0% $566
$150,000 to $174,999 1,779 12.0% $667
$175,000 to $199,999 1,287 9.0% $768
$200,000 to $249,999 1,683 12.0% $929
$250,000 to $299,999 914 6.0% $1132
$300,000 to $399,999 372 2.0% $1442

Renters Insurance in Jacksonville

  • Average Renters Insurance in Jacksonville :  $113($9/month)

  • Median Gross Rent in Jacksonville :  $839

  • Jacksonville Renters Insurance to Median Rent Ratio:  1.07%

  • Renter occupied housing units in Jacksonville :  12,779

Jacksonville Renters Insurance as a Percentage of Rent

Jacksonville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 142 1.0% $778
$300 to $499 1,019 8.0% $1228
$500 to $749 3,574 28.0% $1903
$750 to $999 3,765 30.0% $2653
$1,000 to $1,499 3,438 27.0% $3778
$1,500 or more 460 3.0% $5428

Rent Affordability in Jacksonville:

Approximately 42.0% (5,376) of households are spending more than 35% of their income on gross rent in Jacksonville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,160 9.0%
15.0 to 19.9 percent 1,345 10.0%
20.0 to 24.9 percent 1,777 13.0%
25.0 to 29.9 percent 1,890 14.0%
30.0 to 34.9 percent 1,231 9.0%
35.0 percent or more 5,376 42.0%

Jacksonville Renters Insurance Discounts:

Jacksonville Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Jacksonville, NC Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,841 53.0% $11.3
2 vehicles available 4,067 31.0% $16.95
3 or more vehicles available 782 6.0% $22.6

Protective device discount in Jacksonville Up to :  $16

Claims-free discount in Jacksonville Up to :  $22