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32227 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 32227 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 32227 and start shopping.

Quickly and Easily Compare Average Rates for 32227

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Jacksonville, FL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 32227

Homeowners in Jacksonville are paying roughly $1630 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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32227 Home Insurance Average Premiums

Local 32227 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32227 lowest rates with discounts applied on average.

For the 32227, 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)
$1380 /yr.
Average Coverage:$1630 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1930 /yr.

What is the average home insurance cost for a home in 32227?

  • • The average homeowners insurance premium paid annually for a home in 32227 is around $1630 per year.

What does it cost on average per month for home insurance in 32227?

  • • Homeowners in 32227 pay a monthly average cost per month around $136.00.

What kind of discount could I get if I combine my home and auto insurance together in 32227?

  • • Autoowners in 32227 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 32227.
Review average rates in another zip code:
32211 homeowners insurance rates
32258 homeowners insurance rates
32212 homeowners insurance rates
32217 homeowners insurance rates
32277 homeowners insurance rates
32257 homeowners insurance rates
32246 homeowners insurance rates
32223 homeowners insurance rates
32209 homeowners insurance rates
32208 homeowners insurance rates

Home Replacement Cost Coverage in 32227

Average Building Cost Per Square Foot in 32227: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32227: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32227 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 32227 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 32227 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 988 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$167988$165,000
Additional Upgrades & Added Features$209988$206,250
Major Home Updates or Advancements$251988$247,500

It's important to understand that when you estimate your replacement cost of your home in the 32227 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 32227

Best Home & Auto Insurance Agencies in 32227

Housing Demographics for 32227

Population Review for 32227 Zip Code

For the city of Jacksonville, the population within 32227 has increased to over 1,937 residents in population size. The current population total is 3,799. We have broken down the population based on race below. In 32227, there are over 2576 in male population and 1223 females.

PopulationValues
Total Population3,799
White Population2176
Black Population809
Hispanic Population722
Asian Population168
Hawaiian Population23
Indian Population23
Other Population282
Male Population2576
Female Population1223
Population Estimate1937

Household Data for 32227

The average number of homes in 32227 is around 523, there are an average of 3.37 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode523
Persons Per Household3.37
Average House Value$165,000
Income Per Household$71667
Median Age22.9
Median Age Male22.8
Median Age Female23.1
32227 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 Businesses4
Number Of Employees13
Business First Quarter Payroll378
Business Annual Payroll978
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 Residential575
Delivery Business7
Delivery Total2466
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area1.105000
Water Area0.648000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU574
MFDU0
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 […]