Jacksonville Insurance Rates:

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.

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Home Insurance Companies in Jacksonville, FL: Customer-Reviewed Options


Jacksonville, FL Homeowners Insurance Rates by Coverage Level

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


Jacksonville, FL Homeowners Insurance Rates by ZIP Code

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


Jacksonville, FL Homeowners Insurance Deductibles

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



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

Jacksonville, FL Home Insurance Agents for Top Companies


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

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

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
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