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Homeowners Insurance in 32208

In Jacksonville, FL, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 32208 zip code have found it very easy to shop with When you start our quoting process, we will 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. Best of all, you can get up to 12 competitive quotes for your home in 32208 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32208 should appear in the zip code field ready to go.

32208 Homeowners Insurance Rates Are Considered: Very High!

If your looking for a standard homeowners policy in Florida, you are going to see rates around the average home insurance premium per year of $1609. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Jacksonville home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 32208 Home Insurance Rates Now!

Best 3 Options to Compare in 32208

If you want homeowners insurance quotes within the city of Jacksonville or in the 32208 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Jacksonville, FL.

32208 Home Insurance Average Premiums

Local 32208 homeowners insurance quotes comparison

$1359 /yr.

Shows Zip Code: 32208 lowest rates with discounts applied on average.

For the 32208, 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)
$1359 /yr.
Average Coverage:$1609 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1909 /yr.

What is the average home insurance cost for a home in 32208?

  • • The average homeowners insurance premium paid annually for a home in 32208 is around $1609 per year.

What does it cost on average per month for home insurance in 32208?

  • • Homeowners in 32208 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32208?

  • • Autoowners in 32208 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 32208.
Review average rates in another zip code:
32234 homeowners insurance rates
32244 homeowners insurance rates
32206 homeowners insurance rates
32257 homeowners insurance rates
32258 homeowners insurance rates
32217 homeowners insurance rates
32246 homeowners insurance rates
32202 homeowners insurance rates
32209 homeowners insurance rates
32256 homeowners insurance rates

Home Replacement Cost Coverage in 32208

Average Building Cost Per Square Foot in 32208: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32208: 596 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32208 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 32208 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 32208 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 596 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$167596$99,500
Additional Upgrades & Added Features$209596$124,375
Major Home Updates or Advancements$251596$149,250

It's important to understand that when you estimate your replacement cost of your home in the 32208 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 32208

Atlas Insurance Agency

Address: 8954 Lem Turner Road Jacksonville, FL 32208
Phone: (904)764-0573

Best Home & Auto Insurance Agencies in 32208

Erwin Insurance Agency

Address: 7603 Lem Turner Rd Jacksonville, FL 32208

Allstate Insurance Company - Michael Riley

Address: 825 Edgewood Ave W Jacksonville, FL 32208

ACE Cash Express

Address: 5751 N Main St Jacksonville, FL 32208

A Auto Insurance World

Address: 7660 Lem Turner Rd Jacksonville, FL 32208

Atlas Insurance Agency

Address: 8954 Lem Turner Rd Jacksonville, FL 32208

Housing Demographics for 32208

Population Review for 32208 Zip Code

For the city of Jacksonville, the population within 32208 has increased to over 34,103 residents in population size. The current population total is 33,286. We have broken down the population based on race below. In 32208, there are over 15187 in male population and 18099 females.

Total Population33,286
White Population4859
Black Population26439
Hispanic Population1039
Asian Population137
Hawaiian Population11
Indian Population88
Other Population398
Male Population15187
Female Population18099
Population Estimate34103

Household Data for 32208

The average number of homes in 32208 is around 13,004, there are an average of 2.55 per household. The average house value according to local real estate values is around $99,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode13,004
Persons Per Household2.55
Average House Value$99,500
Income Per Household$36707
Median Age40.3
Median Age Male37.5
Median Age Female42.4
32208 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 Businesses419
Number Of Employees3456
Business First Quarter Payroll31340
Business Annual Payroll136062
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 Residential13374
Delivery Business735
Delivery Total18734
Preferred Last Line KeyY22126
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22126
Land Area11.527000
Water Area1.860000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count305
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 […]