Jacksonville, FL Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
I have not had much experience with customer service other than when I initiated the policy. The experience that I had then was a good one.
My home insurance is through USAA. I'm thoroughly satisfied with the company. Whenever I've had to deal with them, they are very prompt and easy to deal with. They always treat me with respect and their rates are very reasonable. I would give them a rating of 1.
I like that they contact you right away if anything is wrong. They also sent monthly emails.
I have not attempted to contact customer service for my insurance information. But I have used this company's customer service for my banking needs. I was not able to choose an option for no customer service contact. So I gave the rating based on what I do know.
I am very satisfied with my insurance company premium. I have no complaints. It is very fair. I have compared it to others with happiness.
Currently, there is nothing I dislike about the company, but I'm sure that will not be entirely true after I've been a customer for a while, or need to file a claim. But until that time, I have nothing that I dislike.
I love my insurance company. I will stick with them forever. I appreciate all they do for me and my family and I will continue to praise them for as long as I can.
I like that it is cheap. I have comprehensive coverage. The coverage is good. The only problem is those overseas phone banks. Sometimes I just cannot understand them.
The claims that were denied was crap. I shouldn't haven't to fight with them over the damage that is obviously from the hurricane. Also, their app is slow and doesn't contain all the information I would like to see. if they also could get a live chat that would be great.
We called in the claim. They sent an adjuster out two days later. We did have a little bit of a hard time making them understand why they needed to replace the shingles on the entire front of the house. In the end, it all worked out fine because they did replace them all, and it all looks the same and great.
I like that they treat you like an actual person and not another number in line. They seem to care that you get what you need out of them as a company.
I like the company because it is affordable and they have great customer service. Also, the agent comes over and explains products and charges thoroughly.
I feel like state farm responds very quickly to insurance claims and continues to provide follow up assistance until everything is resolved.
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.
My current plan with state farm insurance offers greater coverage than my previous provider at a premium that is 30% less.
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
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
The ease of use and the ease to get to numbers I need and login info. Great customer service. Very efficient.
I would like to go totally paperless with them, but they still occasionally send me paper statements.
I get my policy renewal information with plenty of time to review and consider any changes that may be needed. I have auto pay so the monthly premium is not a problem and gives me assurance I will not have my policy canceled.
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
|Place||Savings For Senior Occupied Homes|
|Jacksonville||$174 to $176|
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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
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%||$5438|
Jacksonville, FL Homeowners Insurance by Zip Code
|Zip Code||Median Home Value||Median Homeowners Insurance|
Average Cost Of Home Insurance By Company In Areas Nearby Jacksonville For Different Scenarios
|Home value ($)||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 Deductible||High 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|
|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||Allstate||GEICO Insurance||State Farm|
|Home Details||3 Beds, 2 Baths||4 Beds, 2 Baths||5 Beds, 4 Baths|
|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|
|1982||130,000||Tile Roof||1,680||3||$500- $1000 Deductible||2990||12||Stone Siding||yes|
|1992||470,000||Asphalt Shingles Roof||4,450||5||$500 Deductible||7870||10||Stucco siding||No|
|1992||260,000||Metal Roof||3,320||4||$1000-$2500 Deductible||1930||4||Stucco siding||yes|
|2011||135,000||Composition Roof||1,730||2||$500 Deductible||1890||10||Brick siding||No|
|1960||175,000||Metal Roof||1,780||2||$2500-$5000 Deductible||220||1||Brick siding||No|
|1980||220,000||Membrane Roof||2,050||4||$1000-$2500 Deductible||2360||8||Stucco siding||No|
|1999||305,000||Shingles Roof||3,050||4||> $10,000 Deductible||2680||9||Stucco siding||No|
|1963||250,000||Composition Roof||3,300||4||$5000 to $10,000 Deductible||1880||6||Stone Siding||yes|
|1982||220,000||Composition Roof||1,960||3||$1000-$2500 Deductible||770||3||Stucco siding||No|
|1961||190,000||Membrane Roof||2,260||5||$2500-$5000 Deductible||2170||12||Vinyl siding||No|
|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|