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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 GetHomeInsuranceQuotes.com. 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:
32221 homeowners insurance rates
32256 homeowners insurance rates
32222 homeowners insurance rates
32227 homeowners insurance rates
32225 homeowners insurance rates
32205 homeowners insurance rates
32209 homeowners insurance rates
32218 homeowners insurance rates
32277 homeowners insurance rates
32224 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
Website:

Best Home & Auto Insurance Agencies in 32208

Atlas Insurance Agency

Address: 8954 Lem Turner Rd Jacksonville, FL 32208
Phone:
Website:
Info:

ACE Cash Express

Address: 5751 N Main St Jacksonville, FL 32208
Phone:
Website: http://www.acecashexpress.com/
Info:

Allstate Insurance Company - Michael Riley

Address: 825 Edgewood Ave W Jacksonville, FL 32208
Phone:
Website: http://www.allstateagencies.com/059906?cid=OTC-YP.com-IYP&att=TL
Info:

Erwin Insurance Agency

Address: 7603 Lem Turner Rd Jacksonville, FL 32208
Phone:
Website: http://www.erwininsurance.com/
Info:

A Auto Insurance World

Address: 7660 Lem Turner Rd Jacksonville, FL 32208
Phone:
Website: http://www.insuranceworld.cc
Info:

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.

PopulationValues
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
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CityJacksonville
City Alias NameJACKSONVILLE
CountyDuval
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
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
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area11.527000
Water Area1.860000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count305
SFDU11824
MFDU832
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

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    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 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 […]