Jacksonville ,FL Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Jacksonville, FL homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Jacksonville, FL is $1946. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Jacksonville, FL. VHome Insurance will help you navigate the world of homeowners insurance coverages in Jacksonville, FL.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $778 |
| $200,000 | $1,323 |
| $300,000 | $1,635 |
| $400,000 | $2,491 |
| $500,000 | $3,133 |
Home insurance costs in Jacksonville can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 032208 | $1,766 |
| 32206 | $1,768 |
| 32254 | $1,740 |
| 32209 | $1,742 |
| 32259 | $1,972 |
| 32224 | $1,953 |
| 32256 | $1,902 |
| 32223 | $1,911 |
| 32258 | $1,888 |
| 32217 | $1,872 |
| 32226 | $1,889 |
| 32225 | $1,881 |
| 32257 | $1,868 |
| 32222 | $1,858 |
| 32277 | $1,832 |
| 32246 | $1,861 |
| 32207 | $1,834 |
| 32218 | $1,839 |
| 32221 | $1,828 |
| 32204 | $1,858 |
| 32216 | $1,836 |
| 32205 | $1,844 |
| 32220 | $1,816 |
| 32211 | $1,806 |
| 32219 | $1,809 |
| 32244 | $1,814 |
| 32210 | $1,809 |
| 32202 | $1,807 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Jacksonville, FL, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,995 |
| $1000 Deductible | $1,784 |
| $1500 Deductible | $1,683 |
| $2500 Deductible | $1,518 |
| $5000 Deductible | $1,284 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Jacksonville, FL | 6.7% | 21.9% |
| Duval County | 6.67% | 21.66% |
| Jacksonville West | 7.76% | 23.71% |
| Jacksonville East | 6.3% | 20.03% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Jacksonville | $174 to $176 |
| Duval County | $175 |
| Jacksonville West | $171 |
| Jacksonville East | $177 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Allstate | GEICO Insurance | State Farm |
| Monthly Premium | 177 | 309 | 263 |
| Year Built | 2011 | 1982 | 2009 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $125000-$150000 | $200000-$250000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |