Jacksonville, FL Home Insurance - Analysis On Quotes, Rates & Agents

Jacksonville, FL Insurance Rates:

The average cost of home insurance in Jacksonville, FL is $1415. vHome analyzed multiple home insurance quotes in Jacksonville, FL to narrow down the list of the cheapest insurance companies in Jacksonville, FL. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

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Average Home Insurance Premium in Jacksonville, FL

National Average Premium State Average Premium Jacksonville Average Premium
$1,438 $1,605 $1,415

Top Home Insurance Companies in Jacksonville, FL | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
State Farm $1,277 $1,533 $1,992 $2,749
Progressive $1,429 $1,715 $2,229 $3,076
Security First $562 $674 $876 $1,209
Castle Key $1,419 $1,702 $2,213 $3,054

Jacksonville, FL Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 863.83
$150,000 To $174,999 1,305.55
$175,000 To $199,999 1,599.33
$200,000 To $249,999 1,780.19
$250,000 To $299,999 2,833.85
$300,000 To $399,999 3,757.56
$400,000 To $499,999 4,684.6
$500,000 To $749,999 5,996.29
$750,000 To $999,999 6,933.21
$1000,000 To $1499,999 7,635.9
$1500,000 To $2000,000 8,198.05

Visual Guide for Jacksonville, FL Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Jacksonville, FL | Back to Top

Home Insurance Company Near Jacksonville, FL Homeowners Insurance Agency Near Jacksonville, FL Address
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

List of Jacksonville, FL Home Insurance Agents by Companies


Jacksonville, FL Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Jacksonville, FL with no claims filed get a discount of $183.95, whereas homeowners with one claim have to file an additional home insurance rate of $127 while homeowners with 2 claims have to pay an additional $184 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -184 1,231
One Claim +127 1,542
Two Claim +184 1,599


Jacksonville, FL Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
32208 96,800 1,358
32206 88,000 1,432
32254 81,900 1,330
32209 78,500 1,344
32259 303,600 1,358
32224 245,200 1,344
32256 242,600 1,337
32223 233,400 1,316
32258 212,100 1,435
32217 204,500 1,433
32226 201,000 1,432
32225 199,400 1,344
32257 188,300 1,373
32222 161,900 1,330
32277 161,000 1,358
32246 155,100 1,358
32207 154,900 1,316
32218 154,500 1,344
32221 150,800 1,330
32204 149,300 1,373
32216 147,600 1,433
32205 147,300 1,337
32220 146,900 1,435
32211 130,400 1,344
32219 129,300 1,337
32244 128,400 1,316
32210 127,600 1,433
32202 109,600 1,432

Factors Affecting Home Insurance Premiums in Jacksonville, FL

The average cost of homeowners insurance in Jacksonville, FL is $1415. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Jacksonville, FL Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,210
3 Bedroom 1,901
4 Bedroom 1,987
5 Bedroom 3,889

Jacksonville, FL Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,398
$1000 Deductible 1,265
$1500 Deductible 1,191
$2000 Deductible 1,081
$2500 Deductible 1,016

Jacksonville, FL Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Jacksonville, FL pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,061
Year 30 Old 1,436
Year 40 Old 1,452
Year 50 Old 1,469
Above Year 50 1,483

Jacksonville, FL Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 184 1,231
Masonry 71 1,344
Brick 71 1,344
Superior 142 1,274
Hail Resistant Roof 28 1,387

Top Saving Tips on Jacksonville, FL Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Jacksonville, FL homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Jacksonville, FL homeowners can take advantage of to increase their savings.

Jacksonville, FL Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 212 1,203
Retiree Discount (Senior Citizen Discount) 198 1,613
Newly Constructed Home 354 1,061

Jacksonville, FL Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 113 1,302
Fire Extinguishers 156 1,259
Smoke Detectors 142 1,274
Sprinkler System 170 1,245
Fire Alarm 113 1,302
Burglar Alarm 127 1,288
Lightning Protection 28 1,387

Latest Home Insurance Reviews

Usaa
I would recommend this company for home insurancerate because it is absolutely wonderful. It is everything that I need in one. And it is also affordable.
Progressive
I would recommend this company based on customer service and based on honesty and how trained the people are in this company.
Usaa
They are fast and friendly. When I have had to call they treat me like family and not a client. They are quick to get things resolved so that it is one less thing for me to worry about.
Progressive
I would recommend my current insurance company for home insurance because of their wide variety of options
Usaa
I'd definitely recommend USAA to anybody who qualifies for it. The customer service, accessibility, prices, and effectiveness alone makes it a solid 5.
Travelers
This company has been completely resonsive to our needs and has quickly paid claims. They are also very competitive on pricing/
State Farm
My Family have been happily insured with State Farm for over 15 years. Should i say anymore, State Farm crushes the competition with exceptional customer service.
Allstate
I would highly recommend Allstate. Not only do you get fast results and coverage, but you also get pin-pointed personal care. They offer a one call grantee to solve any issues during the very first inquiry.
State Farm
I would gave to rate state farm a 4. We had a flood in our house and they took care of everything
Usaa
I would like to go totally paperless with them, but they still occasionally send me paper statements.
Usaa
I have had a fantastic experience with my home insurance company's customer service, any issue or damage that I have reported has been looked at promptly and payment rendered for repairs.
Usaa
USAA's customer service is excellent. If I ever have questions they always get me the answers and take all the time I need to get the information I need. They are also very friendly.
Nationwide
I would recommend this company to friends and family. I would rate it 5 out of 5. There has been time that I have shopped for other insurance, but we have been happy with the prices.
Usaa
I would say that the policy offerings of USAA match what most other insurance companies offer. I don't recall any specific coverages or unique policy points that I could say are different.
Citizens Property Insurance
they offer much the same premiums that other company do , but the deductibles are higher, and they just try to find a reason not to cover you
Progressive
I rate Progressive Home Insurance customer service a 5. I always have a pleasant experience when talking to their representatives. They exceed my expectations by helping me fix a glitch on linking my auto and home insurance account to the same login.
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.
Florida 1st Insurance
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.
Liberty Mutual
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.
Usaa
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.
Usaa
I like that they contact you right away if anything is wrong. They also sent monthly emails.
Usaa
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.
Allstate
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.
Progressive
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.
Esurance
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.
Progressive
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.
Usaa
I would recommend USAA for home insurance because they are responsive, affordable, and customizable. I know when I buy a house I will be able to find options that work for me there, too!
Citizens Property Insurance
I would recommend this insurance company to a friend because of the above things i have stated. the customer service is pretty fast and on top of it
Usaa
My offerings are a lot cheaper than most because it's for veterans and children of veterans or offered lower rates better interest rate prices and better deductibles
Allstate
WE ALLSTATE AND HAVE A BUNDLED PLAN WITH HOME LIFE AND CAR INSURANCE. WE REALLY ARE HAPPY SINCE SWITCHING FROM STATE FARM
Security First Home Insurance
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.
State Farm
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.
Usaa
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.
State Farm
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.