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Homeowners Insurance in 32256

Getting the most affordable home insurance rates in 32256 just got easier for Jacksonville, FL home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Jacksonville. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-888-685-4704 For Jacksonville, FL Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 32256

When discussing Florida homeowners insurance rates, Jacksonville residents are finding new ways to save time and money by discovering lower rates when they shop online. Florida may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 1. Residents that live within the 32256 zipcode are currently paying $1632 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Jacksonville does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

32256 Home Insurance Average Premiums

Local 32256 homeowners insurance quotes comparison

$1382 /yr.

Shows Zip Code: 32256 lowest rates with discounts applied on average.

For the 32256, 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)
$1382 /yr.
Average Coverage:$1632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1932 /yr.

What is the average home insurance cost for a home in 32256?

  • • The average homeowners insurance premium paid annually for a home in 32256 is around $1632 per year.

What does it cost on average per month for home insurance in 32256?

  • • Homeowners in 32256 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 32256?

  • • Autoowners in 32256 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 32256.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 32256

Average Building Cost Per Square Foot in 32256: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32256: 1,674 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32256 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 32256 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 32256 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,674 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$1671,674$279,500
Additional Upgrades & Added Features$2091,674$349,375
Major Home Updates or Advancements$2511,674$419,250

It's important to understand that when you estimate your replacement cost of your home in the 32256 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 32256

Best Home & Auto Insurance Agencies in 32256

Doyle, Denny Jr - State Farm Insurance Agent Jacksonville FL

Address: 7807 Baymeadows Rd E, Ste 100 Jacksonville, FL 32256
Phone:
Website: http://www.dennydoyle.net/
Info:

Allstate Insurance Company - Jim Connolly Agent

Address: 7999 Philips Hwy, #305 Jacksonville, FL 32256
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Ellinor, Vince - American Insurance Underwriter

Address: 7825 Baymeadows Way, #125A Jacksonville, FL 32256
Phone:
Website: http://www.progressive.com/
Info:

Coday, Bryan - Allstate

Address: 11048 Baymeadows Rd, #1 Jacksonville, FL 32256
Phone:
Website: http://www.allstateagencies.com/bryancoday/Welcome/
Info:

Allstate Insurance Company - Deb Eveson

Address: 12525 Philips Hwy Jacksonville, FL 32256
Phone:
Website: http://www.allstateagencies.com/051647?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 32256

Population Review for 32256 Zip Code

For the city of Jacksonville, the population within 32256 has increased to over 64,824 residents in population size. The current population total is 53,611. We have broken down the population based on race below. In 32256, there are over 25357 in male population and 28254 females.

PopulationValues
Total Population53,611
White Population30157
Black Population8649
Hispanic Population7088
Asian Population6224
Hawaiian Population81
Indian Population196
Other Population2642
Male Population25357
Female Population28254
Population Estimate64824

Household Data for 32256

The average number of homes in 32256 is around 24,893, there are an average of 2.07 per household. The average house value according to local real estate values is around $279,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode24,893
Persons Per Household2.07
Average House Value$279,500
Income Per Household$64543
Median Age35.8
Median Age Male34.5
Median Age Female37.6
32256 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 Businesses2768
Number Of Employees76551
Business First Quarter Payroll1585774
Business Annual Payroll5621263
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 Residential31316
Delivery Business2793
Delivery Total33044
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area61.367000
Water Area0.594000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU2623
MFDU15962
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 […]