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Find the Best Home Insurance Rates in 32234

Shopping for homeowners insurance in 32234 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Jacksonville, FL and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Florida licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 32234 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 32234

Find Jacksonville, FL Homeowners Insurance Quotes to review the best coverage options in your area.

32234 Home Insurance Rating is: very high!

In 32234 the average premium is $1616. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 32234, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 32234!

32234 Home Insurance Average Premiums

Local 32234 homeowners insurance quotes comparison

$1366 /yr.

Shows Zip Code: 32234 lowest rates with discounts applied on average.

For the 32234, 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)
$1366 /yr.
Average Coverage:$1616 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1916 /yr.

What is the average home insurance cost for a home in 32234?

  • • The average homeowners insurance premium paid annually for a home in 32234 is around $1616 per year.

What does it cost on average per month for home insurance in 32234?

  • • Homeowners in 32234 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32234?

  • • Autoowners in 32234 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 32234.
Review average rates in another zip code:
32216 homeowners insurance rates
32204 homeowners insurance rates
32225 homeowners insurance rates
32226 homeowners insurance rates
32221 homeowners insurance rates
32244 homeowners insurance rates
32222 homeowners insurance rates
32220 homeowners insurance rates
32246 homeowners insurance rates
32227 homeowners insurance rates

Home Replacement Cost Coverage in 32234

Average Building Cost Per Square Foot in 32234: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32234: 1,026 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32234 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 32234 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 32234 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,026 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$1671,026$171,400
Additional Upgrades & Added Features$2091,026$214,250
Major Home Updates or Advancements$2511,026$257,100

It's important to understand that when you estimate your replacement cost of your home in the 32234 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 32234

Best Home & Auto Insurance Agencies in 32234

Allstate Insurance Company - Robert Gunn

Address: Orange Park, FL 32234
Phone:
Website: http://www.allstateagencies.com/018925?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 32234

Population Review for 32234 Zip Code

For the city of Jacksonville, the population within 32234 has increased to over 9,592 residents in population size. The current population total is 7,514. We have broken down the population based on race below. In 32234, there are over 3689 in male population and 3825 females.

PopulationValues
Total Population7,514
White Population5779
Black Population919
Hispanic Population417
Asian Population41
Hawaiian Population6
Indian Population41
Other Population180
Male Population3689
Female Population3825
Population Estimate9592

Household Data for 32234

The average number of homes in 32234 is around 2,747, there are an average of 2.74 per household. The average house value according to local real estate values is around $171,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,747
Persons Per Household2.74
Average House Value$171,400
Income Per Household$72825
Median Age40.9
Median Age Male40.8
Median Age Female40.9
32234 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 Businesses113
Number Of Employees1731
Business First Quarter Payroll21930
Business Annual Payroll95876
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 District03|04
Congressional LandArea7306.05|1875.97
Delivery Residential3501
Delivery Business104
Delivery Total7212
Preferred Last Line KeyY22126
Classification Code
Multi-CountyY
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area152.107000
Water Area0.465000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count107
SFDU2643
MFDU84
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

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]

  • 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 […]