Jacksonville Insurance Rates:

Jacksonville, FL homeowners insurance is approximately $990 to $1,340, about $82-$111/month. Our comprehensive guide shows customers can save upto $466 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
I feel like state farm responds very quickly to insurance claims and continues to provide follow up assistance until everything is resolved.
Assurant Specialty Property
The drawback to having a smaller insurance company is that they are only open during normal business hours. sometimes it's better to be able to speak with someone in the evenings when i'm not at work.
State Farm
My current plan with state farm insurance offers greater coverage than my previous provider at a premium that is 30% less.
State Farm
State Farm has a very high deductible on storm-related damage. If the storm has a name, ie, "Mathew" the deductible can approach $10,000
National General
I dealt with a very nice agent while purchasing the insurance. She was always helpful, through Email before me deciding to purchase the policy, and when I sat down to buy the policy in person. I like that company holds good agents
Citizens Property Insurance
The ease of use and the ease to get to numbers I need and login info. Great customer service. Very efficient.
Usaa
I would like to go totally paperless with them, but they still occasionally send me paper statements.

Jacksonville, FL Homeowners Insurance By Home Value

Jacksonville, FL Home Value Total Homes % of Total Average Jacksonville, FL Homeowners Insurance
Less than $50,000 14,090 7.0% $174
$50,000 to $59,999 4,511 2.0% $384
$60,000 to $69,999 5,439 3.0% $477
$70,000 to $79,999 7,570 4.0% $547
$80,000 to $89,999 9,197 5.0% $629
$90,000 to $99,999 8,552 4.0% $699
$100,000 to $124,999 21,187 11.0% $803
$125,000 to $149,999 19,810 10.0% $1013
$150,000 to $174,999 23,601 13.0% $1199
$175,000 to $199,999 16,585 9.0% $1386
$200,000 to $249,999 23,451 12.0% $1665
$250,000 to $299,999 14,518 8.0% $2038
$300,000 to $399,999 11,949 6.0% $2586

Top Home Insurance Agents Near Jacksonville, FL

Home Insurance Company Near Jacksonville, FL Homeowners Insurance Agency Near Jacksonville, FL Address
NA Cotter Insurance, Llc 11560-6 Old St Augustine Rd, Jacksonville, FL, 32258
Travelers Donovan & Abercrombie Insurance 6267 DUPONT STATION CT, JACKSONVILLE, FL, 32217
State Farm Jim Chitty Jr 2801 St Jns Blf Rd S Ste 3, Jacksonville, FL, 32246-3743
Travelers Morrow Insurance Group Inc Of Fernandina Bch 95762 AMELIA CONCOURSE 1896 S 14TH ST, FERNANDINA, FL, 32034
Travelers The Wright Agency Inc 4711 Us Hwy 17 S Ste 3 Orange Park, Fleming Island, FL, 32003

Cost Of Homeowners Insurance By Street Near Jacksonville, FL

Streets in Jacksonville Area Homeowners Insurance Cost
N Tidewater Lakes Creek, E Luth Dr, Anne Ave, Otto St, Sandhurst Rd S, Jacobs Ave, Morgan Hill Ct, Secretariat Ln N, Railroad Ave, Palafox St$1,157
Side Out Ct, Goodman Rd, Brighton Bay Trl W, Thor St, Lyons St, E 27th St, Berringer Ln, Ortega Forest Dr, E Oxfordshire Ave, Wiregrass Ln$1,105
US Hwy 90 W, Pleasant Pine Dr, Arlet Dr, Oak Leaf Rd, Cain Oaks Ct, Ivybridge Ct, Walter Rd, 23rd Cir N, Viburnum Ct, Bulls Bay Hwy$1,142
Verde Gardens Rd, Hazel Lake Dr, Ivy St, Belle Rive Blvd, Betula Rd, Prosperity Lake Dr, Woodland St W, Patou Dr W, Riverstone Way, Hickory Hill Dr$1,169
Morning Glory Rd N, Melson Ave, Galloway Dr, Spring Glen Rd, Brookridge Rd, W Ish Brant Ct, Ahern St, Hanson Dr S, Harpers Ferry Ln, Spicewood Dr$1,370
Doby St, Pawnee St, Bacall Rd W, Lido Rd, Shawland Rd, Lisa Dr E, Trout River Te, Pine Straw Ln, Abel Ln, Tiny Dr$1,131
Busch Dr N, Washburn Ct, Joffre Dr, Redleaf Ct, Grand Lakes Dr, Barber Dr, Gately Rd, Caladium Rd, Anglia Dr, Aqua Surf Ct$1,219
Laura St, Baltimore Pl, Scaff Rd, Jork Rd, French St, Mandarin Ridge Ln, Montrose Ave N, St Johns Industrial Pkwy N, Plum St, Lochlaurel Dr$1,105
River Creek Dr E, Whispering Oaks Dr, Devondale Way, Gate Pkwy N, Joda Ln N, Restlawn Dr, Dekle Ave, Kuralei Dr, Alton Box Rd W, Waterfall Dr$1,295
Coralberry Ln W, Lakewood Cir E, Whisper Glen Dr, Water Bluff Ln E, Otis Rd, Pleasant Oaks Rd, Owens Rd, Clock St, Chaffee Ter, Union Hall Pl$1,238

Jacksonville, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Jacksonville$174 to $176
Duval County$175
Jacksonville West$171
Jacksonville East$177

Jacksonville, 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
Duval County, Florida $175 $233 $350
Jacksonville West CCD, Duval County, Florida $171 $228 $342
Jacksonville East CCD, Duval County, Florida $177 $236 $354

Jacksonville, 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, FL6.7%21.9%
Duval County6.67%21.66%
Jacksonville West7.76%23.71%
Jacksonville East6.3%20.03%

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
Less than $200 1,918 1.0% $338
$200 to $299 2,844 2.0% $788
$300 to $499 5,535 4.0% $1238
$500 to $749 21,797 19.0% $1913
$750 to $999 34,707 30.0% $2663
$1,000 to $1,499 36,970 32.0% $3788
$1,500 or more 8,387 7.0% $5438

Jacksonville, FL Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
32208 $96,800 $1,140
32206 $88,000 $1,130
32254 $81,900 $1,130
32209 $78,500 $1,120
32259 $303,600 $1,270
32224 $245,200 $1,240
32256 $242,600 $1,240
32223 $233,400 $1,230
32258 $212,100 $1,220
32217 $204,500 $1,200
32226 $201,000 $1,210
32225 $199,400 $1,200
32257 $188,300 $1,190
32222 $161,900 $1,170
32277 $161,000 $1,180
32246 $155,100 $1,170
32207 $154,900 $1,180
32218 $154,500 $1,170
32221 $150,800 $1,170
32204 $149,300 $1,170
32216 $147,600 $1,170
32205 $147,300 $1,170
32220 $146,900 $1,170
32211 $130,400 $1,150
32219 $129,300 $1,160
32244 $128,400 $1,160
32210 $127,600 $1,150
32202 $109,600 $1,150

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

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO American Integrity Insurance $1,629
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 Security First Insurance $1,099
150,000 27 NO Tower Hill Select Insurance $1,472
150,000 27 NO United Property & Casualty Insurance $1,218
150,000 27 NO Universal Property & Casualty Insurance $1,235
150,000 27 YES Asi Preferred Insurance $1,165
150,000 27 YES Auto Club Insurance $1,234
150,000 27 YES Citizens Property Insurance $689
150,000 27 YES Liberty Mutual Fire Insurance $1,336
150,000 27 YES Safeway Property Insurance $1,072
150,000 27 YES Tower Hill Preferred Insurance $1,309
150,000 27 YES Tower Hill Select Insurance $907
150,000 27 YES Universal Property & Casualty Insurance $724
300,000 12 NA Asi Preferred Insurance $1,353
300,000 12 NA Federated National Insurance $1,530
300,000 12 NA Liberty Mutual Fire Insurance $2,694
300,000 12 NA Safeway Property Insurance $1,300
300,000 12 NA Security First Insurance $1,376

Jacksonville, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Jacksonville Homeowner Insurance Premium Example $1,900$1,500
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,700$14,500
Net Savings to Jacksonville Home Owner from High Deductible Plan $1,200

Jacksonville, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Jacksonville, FL Home Replacement Value MORE than Home Value Jacksonville, FL Home Replacement Value LESS than Home Value
Replacement Value $172,000 $125,500
Insurance Premium based on Replacement Value $2,975 $2,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $27,500
Premium Impact Insurance cheaper by $475/year Insurance costlier by $325/year

Example Jacksonville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceState Farm
Monthly Premium 177309263
Year Built 201119822009
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $125000-$150000$200000-$250000$250000-$300000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 130,000 Slate Shingles Roof 1,160 2 $2500-$5000 Deductible 1930 12 Brick siding yes
1966 105,000 Membrane Roof 1,210 2 $1000-$2500 Deductible 320 3 Fiber-Cement Siding No
2011 130,000 Composition Roof 1,480 2 $1000-$2500 Deductible 1620 7 Vinyl siding No
1974 130,000 Shingles Roof 1,330 2 $2500-$5000 Deductible 720 5 Stucco siding No
1969 200,000 Slate Shingles Roof 1,850 4 $2500-$5000 Deductible 1400 5 Brick siding yes
2001 310,000 Shingles Roof 3,380 4 $5000 to $10,000 Deductible 2870 12 Stucco siding No
1998 440,000 Metal Roof 4,940 5 $500- $1000 Deductible 3100 4 Stone Siding No
1983 225,000 Wood Shake Roof 2,110 3 $1000-$2500 Deductible 3020 9 Brick siding No
2000 170,000 Asphalt Shingles Roof 1,600 4 $500 Deductible 3110 9 Stucco siding No
1970 265,000 Membrane Roof 2,540 4 $500 Deductible 2950 7 Vinyl siding yes
1976 80,000 Tile Roof 1,080 2 $500- $1000 Deductible 1100 10 Stone Siding yes
2001 140,000 Wood Shake Roof 1,670 4 $500 Deductible 1230 5 Stone Siding No
2009 455,000 Metal Roof 4,530 5 $500- $1000 Deductible 2600 5 Vinyl siding No
1981 75,000 Tile Roof 723 1 > $10,000 Deductible 1850 12 Stone Siding No