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32216 Home Insurance Quotes & Rates

Currently, the 18,234 homes within the 32216 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,640 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Jacksonville, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 32216.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Jacksonville home insurance quotes all in one place then of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 32216 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Jacksonville, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Jacksonville, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

32216 Home Insurance Average Premiums

Local 32216 homeowners insurance quotes comparison

$1390 /yr.

Shows Zip Code: 32216 lowest rates with discounts applied on average.

For the 32216, 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)
$1390 /yr.
Average Coverage:$1640 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1940 /yr.

What is the average home insurance cost for a home in 32216?

  • • The average homeowners insurance premium paid annually for a home in 32216 is around $1640 per year.

What does it cost on average per month for home insurance in 32216?

  • • Homeowners in 32216 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32216?

  • • Autoowners in 32216 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 32216.
Review average rates in another zip code:
32208 homeowners insurance rates
32211 homeowners insurance rates
32227 homeowners insurance rates
32220 homeowners insurance rates
32218 homeowners insurance rates
32212 homeowners insurance rates
32217 homeowners insurance rates
32254 homeowners insurance rates
32202 homeowners insurance rates
32277 homeowners insurance rates

Home Replacement Cost Coverage in 32216

Average Building Cost Per Square Foot in 32216: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32216: 1,151 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32216 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 32216 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 32216 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,151 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$1671,151$192,200
Additional Upgrades & Added Features$2091,151$240,250
Major Home Updates or Advancements$2511,151$288,300

It's important to understand that when you estimate your replacement cost of your home in the 32216 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 32216

Best Home & Auto Insurance Agencies in 32216

Metropolitan Insurance Services

Address: 6817 Southpoint Pky, #SUITE1202 Jacksonville, FL 32216

Hancock-Perdue Insurance

Address: 4131 Southside Blvd Jacksonville, FL 32216

Farlow Insurance Agency

Address: 6251 Philips Hwy, Ste 3 Jacksonville, FL 32216

A Budget Insurance Services

Address: 4345 University Blvd S Jacksonville, FL 32216

Insurance Marketing Specialists

Address: 3733 Southside Blvd, #1 Jacksonville, FL 32216

Housing Demographics for 32216

Population Review for 32216 Zip Code

For the city of Jacksonville, the population within 32216 has increased to over 44,107 residents in population size. The current population total is 42,847. We have broken down the population based on race below. In 32216, there are over 20844 in male population and 22003 females.

Total Population42,847
White Population22340
Black Population8228
Hispanic Population7958
Asian Population3771
Hawaiian Population41
Indian Population177
Other Population3660
Male Population20844
Female Population22003
Population Estimate44107

Household Data for 32216

The average number of homes in 32216 is around 18,234, there are an average of 2.30 per household. The average house value according to local real estate values is around $192,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,234
Persons Per Household2.30
Average House Value$192,200
Income Per Household$54739
Median Age36.2
Median Age Male35.1
Median Age Female37.6
32216 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 Businesses1942
Number Of Employees42109
Business First Quarter Payroll554327
Business Annual Payroll2113266
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 District05
Congressional LandArea1355.03
Delivery Residential19177
Delivery Business2234
Delivery Total20824
Preferred Last Line KeyY22126
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22126
Land Area12.675000
Water Area0.441000
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    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 […]