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If you live in the 32228 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Jacksonville have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our FL licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 32228 and then compare quotes from a variety of nationwide insurance companies.

32228 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 32228 the average premium for homeowners coverage is $1630 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 32228. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 32228 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Jacksonville, FL home insurance quotes in your area.

32228 Home Insurance Average Premiums

Local 32228 homeowners insurance quotes comparison

$1380 /yr.

Shows Zip Code: 32228 lowest rates with discounts applied on average.

For the 32228, 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 32228?

  • • The average homeowners insurance premium paid annually for a home in 32228 is around $1630 per year.

What does it cost on average per month for home insurance in 32228?

  • • Homeowners in 32228 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 32228?

  • • Autoowners in 32228 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 32228.
Review average rates in another zip code:
32223 homeowners insurance rates
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32206 homeowners insurance rates
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32209 homeowners insurance rates
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32221 homeowners insurance rates
32207 homeowners insurance rates
32205 homeowners insurance rates

Home Replacement Cost Coverage in 32228

Average Building Cost Per Square Foot in 32228: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32228: 988 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32228 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 32228 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 32228 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 32228 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 32228

Best Home & Auto Insurance Agencies in 32228

Housing Demographics for 32228

Population Review for 32228 Zip Code

For the city of Jacksonville, the population within 32228 has increased to over 35 residents in population size. The current population total is 219. We have broken down the population based on race below. In 32228, there are over 167 in male population and 52 females.

PopulationValues
Total Population219
White Population111
Black Population46
Hispanic Population37
Asian Population6
Hawaiian Population1
Indian Population8
Other Population16
Male Population167
Female Population52
Population Estimate35

Household Data for 32228

The average number of homes in 32228 is around 1, there are an average of 35.00 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 Zipcode1
Persons Per Household35.00
Average House Value$165,000
Income Per Household$0
Median Age23.2
Median Age Male23.1
Median Age Female24.5
32228 DetailsValues
StateFL
State Full NameFlorida
City TypeZ
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 Businesses42
Number Of Employees810
Business First Quarter Payroll12102
Business Annual Payroll50184
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 Residential1
Delivery Business95
Delivery Total97
Preferred Last Line KeyY22126
Classification CodeP
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area0.129000
Water Area0.000000
City Alias CodeM1
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU1
MFDU0
State ANSI12
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
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 […]