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32204 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 32204 zip code it's important to know that our rates are very competitive for homeowners living in Jacksonville, FL. Many homeowners based out of your 32204 area have found it very easy to shop with For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32204 should appear in the zip code field ready to go. For Jacksonville, FL Homeowners Insurance Quotes nearby, we offer the best rates and service.

32204: Average Home Insurance Rates

For homeowners living in the great city of Jacksonville, the average homeowners policy is considered very high in comparison to other states. Florida premiums are estimated to be around $1598 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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32204 Home Insurance Average Premiums

Local 32204 homeowners insurance quotes comparison

$1348 /yr.

Shows Zip Code: 32204 lowest rates with discounts applied on average.

For the 32204, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1348 /yr.
Average Coverage:$1598 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1898 /yr.

What is the average home insurance cost for a home in 32204?

  • • The average homeowners insurance premium paid annually for a home in 32204 is around $1598 per year.

What does it cost on average per month for home insurance in 32204?

  • • Homeowners in 32204 pay a monthly average cost per month around $133.00.

What kind of discount could I get if I combine my home and auto insurance together in 32204?

  • • Autoowners in 32204 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Jacksonville area, check out other zip codes nearby 32204.
Review average rates in another zip code:
32210 homeowners insurance rates
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32258 homeowners insurance rates
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32225 homeowners insurance rates
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32220 homeowners insurance rates
32217 homeowners insurance rates
32221 homeowners insurance rates
32277 homeowners insurance rates

Home Replacement Cost Coverage in 32204

Average Building Cost Per Square Foot in 32204: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32204: 1,332 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32204 before you start any project. Jacksonville homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32204 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32204 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,332 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Jacksonville area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,332$222,400
Additional Upgrades & Added Features$2091,332$278,000
Major Home Updates or Advancements$2511,332$333,600

It's important to understand that when you estimate your replacement cost of your home in the 32204 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32204

Coppola John R

Address: 1049 May Street Jacksonville, FL 32204
Phone: (904)358-1877

Best Home & Auto Insurance Agencies in 32204

Car Insurance

Address: 2370 College St Jacksonville, FL 32204

Housing Demographics for 32204

Population Review for 32204 Zip Code

For the city of Jacksonville, the population within 32204 has increased to over 9,388 residents in population size. The current population total is 8,673. We have broken down the population based on race below. In 32204, there are over 4151 in male population and 4522 females.

Total Population8,673
White Population4890
Black Population2634
Hispanic Population613
Asian Population247
Hawaiian Population17
Indian Population27
Other Population203
Male Population4151
Female Population4522
Population Estimate9388

Household Data for 32204

The average number of homes in 32204 is around 4,295, there are an average of 1.81 per household. The average house value according to local real estate values is around $222,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,295
Persons Per Household1.81
Average House Value$222,400
Income Per Household$49879
Median Age39.0
Median Age Male37.7
Median Age Female40.3
32204 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses788
Number Of Employees19210
Business First Quarter Payroll502247
Business Annual Payroll1879467
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District04
Congressional LandArea1875.97
Delivery Residential5187
Delivery Business877
Delivery Total6041
Preferred Last Line KeyY22126
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22126
Land Area2.686000
Water Area1.492000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
State ANSI12
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114380
Unique ZIP Name
SSA State County Code10150
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID15
County Mixed CaseDuval

Florida Homeowners Insurance News & Information

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]