Get multiple home insurance quotes in 32223. Our licensed 32223, FL agents are ready to serve you.

32223, FL Home Insurance

In the zip code of 32223, the population size is around 25,600, which consists of 10,333 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Jacksonville, FL. A few years ago, a study was done and found that the average home insurance rates for Florida are around $1,574 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 32223 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Jacksonville. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-888-685-4704 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Jacksonville, FL Homeowners Insurance Online Rates Today!

32223 Home Insurance Average Premiums

Local 32223 homeowners insurance quotes comparison

$1324 /yr.

Shows Zip Code: 32223 lowest rates with discounts applied on average.

For the 32223, 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)
$1324 /yr.
Average Coverage:$1574 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1874 /yr.

What is the average home insurance cost for a home in 32223?

  • • The average homeowners insurance premium paid annually for a home in 32223 is around $1574 per year.

What does it cost on average per month for home insurance in 32223?

  • • Homeowners in 32223 pay a monthly average cost per month around $131.00.

What kind of discount could I get if I combine my home and auto insurance together in 32223?

  • • Autoowners in 32223 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 32223.
Review average rates in another zip code:
32207 homeowners insurance rates
32208 homeowners insurance rates
32206 homeowners insurance rates
32246 homeowners insurance rates
32209 homeowners insurance rates
32277 homeowners insurance rates
32226 homeowners insurance rates
32257 homeowners insurance rates
32210 homeowners insurance rates
32234 homeowners insurance rates

Home Replacement Cost Coverage in 32223

Average Building Cost Per Square Foot in 32223: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32223: 1,749 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32223 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 32223 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 32223 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,749 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$1671,749$292,000
Additional Upgrades & Added Features$2091,749$365,000
Major Home Updates or Advancements$2511,749$438,000

It's important to understand that when you estimate your replacement cost of your home in the 32223 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 32223

Best Home & Auto Insurance Agencies in 32223

Ebersberger, Bob - Varsity Insurance Incorporated

Address: 12412 San Jose Blvd, Ste 201 Jacksonville, FL 32223
Phone:
Website: http://www.varsityinsuranceagency.com/
Info:

Mercury Insurance - Varsity Insurance

Address: 12412 San Jose Blvd, Unit 201 Jacksonville, FL 32223
Phone:
Website: http://www.mercuryinsurance.com/
Info:

First Coast Insurance

Address: 4268 Oldfield Crossing Dr, Ste 102 Jacksonville, FL 32223
Phone:
Website:
Info:

Randall Bogani - Allstate Agent

Address: 12276 San Jose Blvd, Ste 603 Jacksonville, FL 32223
Phone:
Website: http://www.agents.allstate.com/USA/FL/randall-bogani.html
Info:

Augustnyniak Insurance Group, Incorporated

Address: 12058 San Jose Blvd, Ste 304 Jacksonville, FL 32223
Phone:
Website: http://www.weshopinsurance.com/
Info:

Housing Demographics for 32223

Population Review for 32223 Zip Code

For the city of Jacksonville, the population within 32223 has increased to over 27,123 residents in population size. The current population total is 25,600. We have broken down the population based on race below. In 32223, there are over 12446 in male population and 13154 females.

PopulationValues
Total Population25,600
White Population20400
Black Population1399
Hispanic Population2357
Asian Population715
Hawaiian Population14
Indian Population69
Other Population663
Male Population12446
Female Population13154
Population Estimate27123

Household Data for 32223

The average number of homes in 32223 is around 10,333, there are an average of 2.46 per household. The average house value according to local real estate values is around $292,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,333
Persons Per Household2.46
Average House Value$292,000
Income Per Household$88364
Median Age46.8
Median Age Male45.4
Median Age Female48.1
32223 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 Businesses843
Number Of Employees8136
Business First Quarter Payroll73153
Business Annual Payroll333411
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 Residential11026
Delivery Business631
Delivery Total15263
Preferred Last Line KeyY22126
Classification Code
Multi-CountyY
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area11.503000
Water Area9.499000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU7454
MFDU1199
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

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • 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 […]