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In Jacksonville, Florida, homeowners pay an average home insurance rate of $1,415, which is comparable to the national average of $1,438. Jacksonville homeowners can take advantage of the various discounts available to reduce their home insurance rates. Below are some of the discounts available to Jacksonville homeowners.


Home insurance companies calculate home insurance rates based on the age of the home. Home insurance rates increase as the age of the home increases due to their propensity for damage. Newly built Jacksonville homes receive discounts of up to $354 on home insurance rates. Homes that are older than 50 years attract an additional cost of $68 on their insurance rates. The average home insurance rates of Jacksonville homes older than 30 years and 40 years are $1,436 and $1,452, respectively.

Homes built using sturdy materials are less prone to damage. As a result, home insurance companies offer considerable discounts to homes built using damage-resistant materials. Jacksonville homes built using fire-resistive materials can avail of a discount of $184 on home insurance rates. Homes built using masonry and brick can avail discounts of $81 each while homes with a hail resistant roof receive a discount of $28.

Homes that are free from mortgage earn additional discounts on insurance rates. Home insurance companies believe that homeowners feel more responsible for homes that are not under a mortgage. This prompts home insurance companies to provide additional discounts to homes that are free from mortgage.

Apart from this, home insurance companies also provide discounts based on the career choices of homeowners. USAA offers exclusive services to veterans, active, and retired army personnel. Several other home insurance companies offer discounts to homeowners employed in law enforcement agencies and in educational institutions. Senior citizens in Jacksonville can avail of a discount of $198 on their home insurance. Bundling their home and auto insurance policies allows them to receive an additional discount of $212.

The property crime rate in Jacksonville is 33.93 per 1,000 residents. It is safer than 8% of the remaining cities in the U.S. Specifically, Jacksonville has a burglary rate of 5.54 per 1,000 residents, with 5,007 reported incidents. The chance of becoming a victim of property crime in Jacksonville is 1 in 29. Homes with enhanced security features are less prone to burglaries and damage. Hence, home insurance companies encourage homeowners to install home safety devices by offering discounts as incentives. For instance, Jacksonville homes with deadbolts and fire extinguishers can avail of discounts of $113 and $156, respectively, on home insurance rates. Additionally, homes equipped with burglar alarms and smoke detectors receive a discount of $127 and $142, respectively, on homeowners insurance.