Jacksonville Beach Insurance Rates:

Jacksonville Beach, FL homeowners insurance is nearly $1,043 to $1,430, about $86-$119/month. Our detailed guide shows customers can save upto $494 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Liberty Mutual
They had a nice bundling option when i was searching that included auto insurance at a fair discount of 10% off.
Allstate
They might be a little expensive compared to some other companies. however, they have better service. and as a student, you can get discounts with a "good student" proof.
Assurant Specialty Property
At such a low rate, even i am able to afford insurance for my home. this company makes insurance easy and accessible.
Usaa
The website and app are frustrating because we have to go through a multilayer process to login when sometimes I need to log in quickly.
State Farm
I like them, they insure everything I own basically, so I trust them with that obviously.
State Farm
It’s not too bad! The interface is a bit of a hassle but besides that it's not too terrible! And the response time on the website is amazing!!
Usaa
USAA has an excellent reputation and offered us the lowest annual premium rate. They have been very easy to get ahold of, though we have not had to file a claim at this time.
Utica First Insurance Comany
I have no comparison to my homeowner's insurance to other insurance companies. I have been so satisfied with my current agent that I refuse to shop around.

Jacksonville Beach, FL Homeowners Insurance By Home Value

Jacksonville Beach, FL Home Value Total Homes % of Total Average Jacksonville Beach, FL Homeowners Insurance
Less than $50,000 44 1.0% $111
$100,000 to $124,999 129 3.0% $482
$125,000 to $149,999 214 5.0% $605
$150,000 to $174,999 423 10.0% $716
$175,000 to $199,999 453 11.0% $828
$200,000 to $249,999 937 22.0% $1001
$250,000 to $299,999 733 17.0% $1223
$300,000 to $399,999 1,090 26.0% $1557

Top Home Insurance Agents Near Jacksonville Beach, FL

Home Insurance Company Near Jacksonville Beach, FL Homeowners Insurance Agency Near Jacksonville Beach, FL Address
NA W.W. Erwin, Inc. 4228 Blanding Blvd, Jacksonville, FL, 32210
NA Richardson Insurance Agency 9880-3 San Jose Blvd, Jacksonville, FL, 32257
Travelers Bates & Hewett Inc 3400 CRILL AV STE 2, PALATKA, FL, 32177
State Farm Edith Aldrich 1721 Reid St, Palatka, FL, 32177-3235
Travelers Hardin Insurance Inc 3305 Atlantic Blvd Ste A, Jacksonville, FL, 32207

Cost Of Homeowners Insurance By Street Near Jacksonville Beach, FL

Streets in Jacksonville Beach Area Homeowners Insurance Cost
16th Ave S, Bentin Dr N, Ocean Ave, Oakwood Ct, 8th Ave N, Osceola Ave, Fairway Rd, Plantation Oaks Dr N, Sable Palm Ln, 6th Ave S$1,236
11th St S, Colonies Dr, 2nd Ave N, 15th Ave S, Holly Dr, Ruth Ave, S 7th St, 11th Ave S, N 12th St, Park Ave$1,236
Quail Ln, N 7th St, 8th Ave S, Jardin de Mer Pl, Ocean Front S, Pablo Ave, 4th Ave S, 30th Ave S, 16th Ave N, 7th St N$1,265
McClure Ln, Merrill Bv, 9th Ave S, 5th Ave N, 13th Ave S, 9th Ave S, 17th Ave S, 18th St N, 6th Ave N, S 12th St$1,245
Shetter Ave, Green Heron Ct, N 19th St, N 10th St, Saint Maarten Ct, 7th Ave N, Shetter Ave, Willow Oaks Dr S, Rita Rae Ln, Sandra Dr$1,247

Jacksonville Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jacksonville Beach$184 to $186
Neptune Beach$190
Jacksonville Beaches$185
Ponte Vedra$199

Jacksonville Beach, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Neptune Beach city, Florida $190 $253 $380
Atlantic Beach city, Florida $190 $253 $380
Jacksonville Beaches CCD, Duval County, Florida $185 $247 $371

Jacksonville Beach, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Jacksonville Beach, FL5.4%16.5%
Neptune Beach4.94%18.85%
Atlantic Beach5.9%16.05%
Jacksonville Beaches5.67%17.43%

Jacksonville Beach Renters Insurance as a Percentage of Rent

Jacksonville Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 52 1.0% $319
$200 to $299 142 3.0% $769
$300 to $499 124 2.0% $1219
$500 to $749 355 8.0% $1894
$750 to $999 901 21.0% $2644
$1,000 to $1,499 1,362 32.0% $3769
$1,500 or more 1,228 29.0% $5419

Average Cost Of Home Insurance By Company In Areas Nearby Jacksonville Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Castle Key Indemnity Company Insurance $1,836
150,000 27 NO Citizens Property Insurance $1,093
150,000 27 NO Florida Farm Bureau Casualty Insurance $1,843
150,000 27 NO Liberty Mutual Fire Insurance $1,750
150,000 27 NO Tower Hill Select Insurance $1,472
150,000 27 NO Universal Property & Casualty Insurance $1,235
150,000 27 YES Florida Peninsula Insurance $737
150,000 27 YES Safeway Property Insurance $1,072
150,000 27 YES Security First Insurance $930
150,000 27 YES Stillwater Property And Casualty Insurance $890
150,000 27 YES Tower Hill Signature Insurance $1,236
150,000 27 YES United Property & Casualty Insurance $663
300,000 12 NA American Integrity Insurance $1,548
300,000 12 NA Asi Preferred Insurance $1,353
300,000 12 NA Citizens Property Insurance $1,421
300,000 12 NA Security First Insurance $1,376
300,000 12 NA Southern Fidelity Insurance $1,626
300,000 12 NA Stillwater Property And Casualty Insurance $1,088
300,000 12 NA Tower Hill Prime Insurance $1,652
300,000 12 NA United Property & Casualty Insurance $1,258

Jacksonville Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
Yearly Jacksonville Beach Homeowner Insurance Premium Example $4,800$4,200
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $34,500$33,300
Net Savings to Jacksonville Beach Home Owner from High Deductible Plan $1,200

Jacksonville Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jacksonville Beach, FL Home Replacement Value MORE than Home Value Jacksonville Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $323,500 $232,000
Insurance Premium based on Replacement Value $6,500 $4,675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $54,500 Risk Exposure from Under Insuring Coverage is $37,000
Premium Impact Insurance cheaper by $750/year Insurance costlier by $1,075/year

Example Jacksonville Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersState Farm
Monthly Premium 263477706
Year Built 196419741999
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$250000-$300000$350000-$400000
Deductible $500- $1000 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Jacksonville Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 365,000 Composition Roof 2,530 4 $500- $1000 Deductible 3450 5 Fiber-Cement Siding yes
1966 335,000 Shingles Roof 2,530 5 $500 Deductible 2720 5 Vinyl siding yes
1993 140,000 Composition Roof 1,000 2 $500 Deductible 570 3 Brick siding yes
2011 385,000 Asphalt Shingles Roof 2,800 5 $500 Deductible 7150 12 Stone Siding yes
1960 530,000 Tile Roof 3,050 4 $1000-$2500 Deductible 860 1 Fiber-Cement Siding yes
1990 205,000 Shingles Roof 1,390 2 $5000 to $10,000 Deductible 760 5 Stone Siding yes
1966 210,000 Tile Roof 1,250 2 $5000 to $10,000 Deductible 1290 4 Vinyl siding yes
1978 285,000 Wood Shake Roof 1,710 2 $500 Deductible 3130 9 Stone Siding No
1970 160,000 Asphalt Shingles Roof 1,190 2 $500 Deductible 2070 7 Brick siding yes
1963 280,000 Slate Shingles Roof 1,610 2 $2500-$5000 Deductible 1640 4 Vinyl siding yes
1994 480,000 Composition Roof 3,010 4 > $10,000 Deductible 4350 8 Stone Siding yes
2004 570,000 Membrane Roof 3,640 5 $1000-$2500 Deductible 690 1 Wood siding No
1991 640,000 Shingles Roof 4,500 5 $500 Deductible 11130 9 Vinyl siding yes
1989 250,000 Asphalt Shingles Roof 2,030 4 $500- $1000 Deductible 2040 7 Wood siding yes
1989 265,000 Membrane Roof 1,740 3 $500- $1000 Deductible 3650 8 Stone Siding yes
1997 460,000 Composition Roof 3,880 5 $2500-$5000 Deductible 5080 10 Vinyl siding No
1989 490,000 Shingles Roof 3,270 5 $5000 to $10,000 Deductible 1780 3 Wood siding No
2001 230,000 Membrane Roof 1,970 3 $2500-$5000 Deductible 2270 9 Wood siding No
1997 215,000 Asphalt Shingles Roof 1,410 3 $2500-$5000 Deductible 2450 9 Fiber-Cement Siding No
2006 390,000 Shingles Roof 2,770 4 $500 Deductible 7620 9 Fiber-Cement Siding No
2012 230,000 Wood Shake Roof 1,670 3 > $10,000 Deductible 910 4 Vinyl siding yes
1982 370,000 Shingles Roof 2,840 4 $1000-$2500 Deductible 2140 6 Vinyl siding yes
2010 470,000 Metal Roof 2,980 4 $5000 to $10,000 Deductible 1440 4 Stone Siding No