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Searching for Homeowners Insurance in 32246

If you are a homeowners that lives in 32246 you may be searching for more affordable homeowners insurance in Jacksonville. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help. makes shopping your insurance policy quick and easy for residents of Jacksonville, FL. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Florida licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

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Get 32246 Home Insurance Rate Quotes Right Now!

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.

Check Out 32246 Home Insurance Costs: very high!

In Jacksonville, homeowners are paying roughly $1623 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 32246 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Jacksonville are saving up to 40 percent on their policy costs by using

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32246 Home Insurance Average Premiums

Local 32246 homeowners insurance quotes comparison

$1373 /yr.

Shows Zip Code: 32246 lowest rates with discounts applied on average.

For the 32246, 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)
$1373 /yr.
Average Coverage:$1623 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1923 /yr.

What is the average home insurance cost for a home in 32246?

  • • The average homeowners insurance premium paid annually for a home in 32246 is around $1623 per year.

What does it cost on average per month for home insurance in 32246?

  • • Homeowners in 32246 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 32246?

  • • Autoowners in 32246 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 32246.
Review average rates in another zip code:
32277 homeowners insurance rates
32222 homeowners insurance rates
32223 homeowners insurance rates
32224 homeowners insurance rates
32205 homeowners insurance rates
32254 homeowners insurance rates
32207 homeowners insurance rates
32211 homeowners insurance rates
32220 homeowners insurance rates
32206 homeowners insurance rates

Home Replacement Cost Coverage in 32246

Average Building Cost Per Square Foot in 32246: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32246: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32246 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 32246 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 32246 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 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$1671,352$225,800
Additional Upgrades & Added Features$2091,352$282,250
Major Home Updates or Advancements$2511,352$338,700

It's important to understand that when you estimate your replacement cost of your home in the 32246 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 32246

Best Home & Auto Insurance Agencies in 32246

Deese, Maggie - Allstate

Address: 12192 Beach Blvd, #6 Jacksonville, FL 32246

Norris Insurance Agency

Address: 10695 Beach Blvd Jacksonville, FL 32246

Montgomery, Chris - Norris Insurance

Address: 10695 Beach Blvd, #1 Jacksonville, FL 32246

Apple Insurance Mall of Regency

Address: 1647 Saint Johns Bluff Rd S Jacksonville, FL 32246

Blue Cross and Blue Shield of Florida Inc

Address: 4800 Deerwood Campus Pky Jacksonville, FL 32246

Housing Demographics for 32246

Population Review for 32246 Zip Code

For the city of Jacksonville, the population within 32246 has increased to over 61,930 residents in population size. The current population total is 58,105. We have broken down the population based on race below. In 32246, there are over 28725 in male population and 29380 females.

Total Population58,105
White Population31500
Black Population8105
Hispanic Population10029
Asian Population7003
Hawaiian Population103
Indian Population240
Other Population4068
Male Population28725
Female Population29380
Population Estimate61930

Household Data for 32246

The average number of homes in 32246 is around 23,594, there are an average of 2.46 per household. The average house value according to local real estate values is around $225,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23,594
Persons Per Household2.46
Average House Value$225,800
Income Per Household$68500
Median Age35.6
Median Age Male34.5
Median Age Female36.6
32246 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses1482
Number Of Employees22928
Business First Quarter Payroll340210
Business Annual Payroll1258019
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 Residential25175
Delivery Business1211
Delivery Total25674
Preferred Last Line KeyY22126
Classification Code
CSA NameJacksonville-Kingsland-Palatka, FL-GA
City State KeyY22126
Land Area19.100000
Water Area0.323000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
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 […]