Get Jacksonville, FL Home Insurance Rates!
Jacksonville is the epitome of southern hospitality. Our abundant sunshine, white sand beaches and cultural city center make Jacksonville the envy of other cities and one of the best places in the country to live and work. Our affordable home prices, combined with plenty of outdoor activities make it a great place for families.
Jacksonville is the largest city in Florida and the 12th largest city in the country with a population of roughly 836,507. The entire Jacksonville Metropolitan area has a population of 1,345,596 as of 2010.
Trulia data shows that the median sales price in Jacksonville is currently $134,700 which is a decrease of 4.8 percent from last year. The number of houses sold this year dropped by 24.4 percent. While not great news for current homeowners, the price drop is great news for newcomers to the Jacksonville area.
Homeowners Insurance in Jacksonville
Jacksonville residents, as well as all homeowners in Florida pay some of the highest rates in the country for home coverage. A report compiled by the National Association of Insurance Commissioners found that the average premium in Florida was $1,933 making it the most expensive in the country.
While we pay a lot for our little slice of paradise, there are ways to lower your homeowner rates. Maintaining a good or excellent credit rating will have a big effect on your premiums. If your credit rating is less than stellar, make an effort to improve it.
Insurers love security systems so installing a top of the line alarm will result in a discount. Adding a sprinkler system will result in a huge discount but they are somewhat expensive to install.
Factors to Consider in Jacksonville
While our beaches and waterways are one of the biggest draws of the Jacksonville area, they can also be a danger, especially to waterfront properties. A standard homeowners policy does not provide any protection against flooding so if you live in a flood prone area, flood insurance is a necessity.
Crime is another factor to consider, Jacksonville’s crime rate is well above the national average and can have an adverse effect on your premium. Investigate the crime rate in potential neighborhoods, if the crime rate is too high, its best to keep looking.
Experts recommend shopping your insurance at least once a year so if you are currently looking for a new homeowners policy we can help. The home insurance quoting process is free, quick and easy. Our insurance partners are top rated carriers who have been in business for several decades and will provide you with the most affordable home insurance rates available.
Compare Homeowners Insurance Rates in Jacksonville, FL!
Get up to 12 competitive Jacksonville, FL homeowners insurance rates all in one place!
Our Service in Florida
You can feel confident that our experience, integrity and service will help you find the best insurance policy at a price you can afford. We work with a wide variety of insurers in Jacksonville, Florida and all of them are top rated "A+" by A.M. Best Rating and have been in business for several decades.
Just a few of the insurers we work include American Integrity Insurance Group, Anchor Insurance, ASI, Bankers Insurance Group, Centauri Insurance, Chubb, Edison Insurance Company, Florida Peninsula Insurance Company, Heritage Insurance, Lexington Insurance, Olympus Insurance, People's Trust Insurance Company, St. Johns Insurance Company and many more.
Average Rates Nearby Jacksonville
Are you looking for homeowners insurance in a city near Jacksonville? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
- Atlantic Beach, FL Home Insurance Quotes
- Jacksonville Beach, FL Home Insurance Quotes
- Neptune Beach, FL Home Insurance Quotes
Home Insurance Rates by Zipcode in Jacksonville, FL
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Jacksonville.
32202, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32212, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32224, 32225, 32226, 32227, 32228, 32234, 32244, 32246, 32254, 32256, 32257, 32258, 32277,
Jacksonville, FL Home Insurance Average Premiums
For the city of Jacksonville, 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 |
|Average Coverage:||$1637 /yr.|
|2600 sq. ft. or higher |
(all discounts applied)
What is the average home insurance cost for a home in Jacksonville, FL?
- • The average homeowners insurance premium paid annually for a home in Jacksonville is around $1637 per year.
What does it cost on average per month for home insurance in Jacksonville, FL?
- • Homeowners in Jacksonville pay an average cost per month around $136.00 for insurance coverage.
Jacksonville, FL Coastal Wind, Hail & Flood Information
Jacksonville is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Jacksonville is know for it's beautiful beaches and waterways. Because Duval County (FIPS: 12031) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Jacksonville, FL.
Coastal Jacksonville, Florida Information: To obtain flood insurance coverage, the process usually takes more than 30 days to finalize, if you need flood insurance coverage now, please call us at 888-620-1954.
For more information about your area, please click Coastal Homeowners Insurance in Florida
Jacksonville, FL - 2023 Housing Information
|Month||Current Home Value (2023)||Last Year Home Value (2022)|
Homeowners insurance will help cover the cost to repair or replace your Jacksonville home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Jacksonville
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Jacksonville, FL homeowners insurance rates all in one place!
Saving Money Tips on Jacksonville Home Insurance
A great way to save money on Jacksonville homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Jacksonville area? Check out what homeowners are paying on average for Florida homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
|25 ft.||This is the average home elevation in Jacksonville, FL||
» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Jacksonville, Florida.
A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.
Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.
It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.
To get online quotes on your home and compare rates on home insurance premiums in Jacksonville, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Duval County.
Florida Homeowners Insurance News & Information
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 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 […]
Jacksonville, FL Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Jacksonville so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Jacksonville, FL?
- The average square footage in Jacksonville is around 728 Sq. Ft. which would cost you around $121,521 to replace the home if you base the home on the price to build per square foot of $167.
Minimum Replacement Cost Total: $121,521
Location: Jacksonville, Florida (Duval County)
Average Building Cost Per Square Foot in Jacksonville: $167 (low end)
Average Square Footage in Jacksonville: 728 Sq. Ft.
|Home Improvement Status||Price per Sq. Ft.||Dwelling Coverage|
|None or Very Minor Improvements||$167||$121,521|
|Some Additional Upgrades||$209||$151,902|
|Major Home Updates or Advancements||$251||$182,282|
The dwelling coverage is calculated by the average cost per square foot ($167) in Jacksonville, Florida times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $521,875 (Media price to build of $209 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.