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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, 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:
32234 homeowners insurance rates
32210 homeowners insurance rates
32226 homeowners insurance rates
32258 homeowners insurance rates
32217 homeowners insurance rates
32224 homeowners insurance rates
32228 homeowners insurance rates
32254 homeowners insurance rates
32216 homeowners insurance rates
32227 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

Baum, Steve - Worldwide Insurance

Address: 12058 San Jose Blvd, #403 Jacksonville, FL 32223

Mercury Insurance - Varsity Insurance

Address: 12412 San Jose Blvd, Unit 201 Jacksonville, FL 32223

State Farm Insurance Auto Car Life 32223 32257

Address: 12058 San Jose Blvd, Ste 302 Jacksonville, FL 32223

Allstate Insurance Company - Randall Bogani

Address: 12276 San Jose Blvd Jacksonville, FL 32223

Ebersberger, Bob - Varsity Insurance Incorporated

Address: 12412 San Jose Blvd, Ste 201 Jacksonville, FL 32223

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.

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
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 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
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22126
Land Area11.503000
Water Area9.499000
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 […]