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32224, FL Homeowners Insurance Rates

With a population size of 42,395 and with 16,998 occupied homes in the 32224 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Jacksonville, FL are around $1,558 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Jacksonville, Florida. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-888-685-4704 so we can help you review rates today!

It's important to know that if your Florida home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Jacksonville, FL.

For Florida home insurance information, including average Jacksonville home insurance rates, coverage options or the different homeowners insurance types, please select Jacksonville, FL Home Insurance Quotes Now!

32224 Home Insurance Average Premiums

Local 32224 homeowners insurance quotes comparison

$1308 /yr.

Shows Zip Code: 32224 lowest rates with discounts applied on average.

For the 32224, 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)
$1308 /yr.
Average Coverage:$1558 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1858 /yr.

What is the average home insurance cost for a home in 32224?

  • • The average homeowners insurance premium paid annually for a home in 32224 is around $1558 per year.

What does it cost on average per month for home insurance in 32224?

  • • Homeowners in 32224 pay a monthly average cost per month around $130.00.

What kind of discount could I get if I combine my home and auto insurance together in 32224?

  • • Autoowners in 32224 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 32224.
Review average rates in another zip code:
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32210 homeowners insurance rates
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32258 homeowners insurance rates
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32212 homeowners insurance rates
32217 homeowners insurance rates
32205 homeowners insurance rates
32220 homeowners insurance rates

Home Replacement Cost Coverage in 32224

Average Building Cost Per Square Foot in 32224: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32224: 2,078 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32224 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 32224 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 32224 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,078 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$1672,078$347,000
Additional Upgrades & Added Features$2092,078$433,750
Major Home Updates or Advancements$2512,078$520,500

It's important to understand that when you estimate your replacement cost of your home in the 32224 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 32224

Acceptance Insurance

Address: 1650 San Pablo Road South Suite 12 Jacksonville, FL 32224
Phone: (904)220-8585
Website:

Best Home & Auto Insurance Agencies in 32224

Mercury Insurance - First Coast Insurance & Tax Sv

Address: Jacksonville, FL 32224
Phone:
Website: http://www.mercuryinsurance.com/
Info:

First Network Insurance

Address: Jacksonville, FL 32224
Phone:
Website:
Info:

Tanenbaum Harber McCormick INS

Address: 11555 Central Pky, #1101 Jacksonville, FL 32224
Phone:
Website: http://www.progressive.com/
Info:

Bell Mike Insurance Agency

Address: 4745 Sutton Park Ct Jacksonville, FL 32224
Phone:
Website:
Info:

Register, Jess - Carinsurance.com

Address: 745 Orienta Ave Jacksonville Beach, FL 32224
Phone:
Website:
Info:

Housing Demographics for 32224

Population Review for 32224 Zip Code

For the city of Jacksonville, the population within 32224 has increased to over 42,614 residents in population size. The current population total is 42,395. We have broken down the population based on race below. In 32224, there are over 20297 in male population and 22098 females.

PopulationValues
Total Population42,395
White Population30169
Black Population3893
Hispanic Population4552
Asian Population2678
Hawaiian Population36
Indian Population98
Other Population1454
Male Population20297
Female Population22098
Population Estimate42614

Household Data for 32224

The average number of homes in 32224 is around 16,998, there are an average of 2.29 per household. The average house value according to local real estate values is around $347,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,998
Persons Per Household2.29
Average House Value$347,000
Income Per Household$81185
Median Age35.5
Median Age Male34.6
Median Age Female36.2
32224 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 Businesses945
Number Of Employees15163
Business First Quarter Payroll209789
Business Annual Payroll828506
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 Residential18609
Delivery Business678
Delivery Total21273
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area20.860000
Water Area0.878000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU5304
MFDU7700
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 […]