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Homeowners Insurance coverage in 32225

If you are a homeowner in 32225 or Jacksonville, FL you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Jacksonville.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 32225.

Learn more about our homeowners insurance shopping service by selecting the best Jacksonville, FL Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 32225?

Residents of Jacksonville have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Florida? While Florida is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Florida comes in at 1 in the country for homeowners insurance premiums.

If you are living in 32225 zipcode, expect to pay around $1583 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Jacksonville does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

32225 Home Insurance Average Premiums

Local 32225 homeowners insurance quotes comparison

$1333 /yr.

Shows Zip Code: 32225 lowest rates with discounts applied on average.

For the 32225, 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)
$1333 /yr.
Average Coverage:$1583 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1883 /yr.

What is the average home insurance cost for a home in 32225?

  • • The average homeowners insurance premium paid annually for a home in 32225 is around $1583 per year.

What does it cost on average per month for home insurance in 32225?

  • • Homeowners in 32225 pay a monthly average cost per month around $132.00.

What kind of discount could I get if I combine my home and auto insurance together in 32225?

  • • Autoowners in 32225 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 32225.
Review average rates in another zip code:
32244 homeowners insurance rates
32207 homeowners insurance rates
32224 homeowners insurance rates
32222 homeowners insurance rates
32217 homeowners insurance rates
32206 homeowners insurance rates
32277 homeowners insurance rates
32204 homeowners insurance rates
32234 homeowners insurance rates
32227 homeowners insurance rates

Home Replacement Cost Coverage in 32225

Average Building Cost Per Square Foot in 32225: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32225: 1,508 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32225 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 32225 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 32225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,508 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$1671,508$251,800
Additional Upgrades & Added Features$2091,508$314,750
Major Home Updates or Advancements$2511,508$377,700

It's important to understand that when you estimate your replacement cost of your home in the 32225 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 32225

Bacon Insurance Agency

Address: 2485 Monument Road Suite 6 Jacksonville, FL 32225
Phone: (904)641-5940
Website:

Best Home & Auto Insurance Agencies in 32225

Allstate Insurance Company - Bruce Bradley

Address: 2500 Monument Rd Jacksonville, FL 32225
Phone:
Website: http://www.allstateagencies.com/052211?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance Company - Nelson Rogers

Address: 9119 Merrill Rd Jacksonville, FL 32225
Phone:
Website: http://www.allstateagencies.com/036141?cid=OTC-YP.com-IYP&att=TL
Info:

State Farm Insurance Auto Car Life 32225 32246

Address: 13170 Atlantic Blvd, Ste 61 Jacksonville, FL 32225
Phone:
Website: http://www.miketauzel.com/
Info:

Allstate Insurance Company - Michael Alan George

Address: 13107 Atlantic Blvd, #102 Jacksonville, FL 32225
Phone:
Website: http://www.allstateagencies.com/048992?cid=OTC-YP.com-IYP&att=TL
Info:

Allstate Insurance - Susan E. Moore

Address: 1309 Saint Johns Bluff Rd N Jacksonville, FL 32225
Phone:
Website:
Info:

Housing Demographics for 32225

Population Review for 32225 Zip Code

For the city of Jacksonville, the population within 32225 has increased to over 61,227 residents in population size. The current population total is 57,441. We have broken down the population based on race below. In 32225, there are over 28090 in male population and 29351 females.

PopulationValues
Total Population57,441
White Population35992
Black Population9187
Hispanic Population6322
Asian Population4050
Hawaiian Population125
Indian Population154
Other Population1958
Male Population28090
Female Population29351
Population Estimate61227

Household Data for 32225

The average number of homes in 32225 is around 22,906, there are an average of 2.50 per household. The average house value according to local real estate values is around $251,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode22,906
Persons Per Household2.50
Average House Value$251,800
Income Per Household$78411
Median Age38.8
Median Age Male37.5
Median Age Female40.0
32225 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 Businesses1392
Number Of Employees20759
Business First Quarter Payroll230081
Business Annual Payroll988792
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 Residential24491
Delivery Business1356
Delivery Total30944
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area26.307000
Water Area8.148000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU9912
MFDU5596
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

  • 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 […]

  • 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 […]