Neptune Beach, FL Homeowners Insurance Rate Quotes!

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Easily compare up to 12 competitive Neptune Beach, FL rates all in one place!

Homeowners have recently discovered a quick and easy ways to compare homeowners insurance rates in Neptune Beach from the comfort of their own home. GetHomeInsuranceQuotes.com (GHIQ) has professional agents standing by to help you find the best policy for your needs. Our fast quoting process is simple and has been used successfully by thousands of homeowners just like you who want to quickly compare insurance rates and buy a policy without any hassle. On average, rates are around $135 per month, shop now to save on Neptune Beach homeowners insurance.

We will provide premium quotes from up to 12 or more insurers so you can compare the cost and coverage of your new policy. All of the insurers we work with are national companies that are highly rated A+ by A.M. Best so you can be confident they will be there to help if you need to make a claim.

Average Neptune Beach Home Insurance Rates

For homeowners in the Neptune Beach area, the average home insurance premium is around $1,621 per year. Most HO-3 homeowners policies are paid annually for insurance coverage on a single-family home. For smaller homes rates can be as low as $1,371 per year. More expensive homes that are larger in square footage cost more to rebuild so the replacement cost value is higher which makes the premium higher, so rates for more expensive homes are around $1,921 per year or more.

Best Way to Shop Home Insurance

When we work with new customers at GHIQ we take the time to investigate your needs and discuss all of the available policy options. We will search for additional discounts and examine your coverage levels to make sure you are fully protected. In many cases, we can help you save up to 40 percent on your current rates, all from the comfort of your own home.

What does a policy cover?

All of our homeowner policies not only cover your Neptune Beach home and your possessions but any detached structures on your property as well. This includes detached garages, sheds, barns and other outbuildings. In addition, all of our standard policies offer loss of use coverage which will help cover your day to day living costs if you are forced out of your home due to a covered peril. Liability and medical costs are also standard coverages.

We will make sure that you have a complete understanding of your policy before you sign on the dotted line and are always available to answer any questions you have. Our agents will guide you through the entire process and evaluate your current coverage to make sure you are fully protected against all risks including flooding or earthquake damage. We will also do a full discount review to make sure you are receiving all available discounts.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Neptune Beach, FL!

Enter your Zip Code:    

Get up to 12 competitive Neptune Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Neptune Beach, FL 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 Neptune Beach, 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 Neptune Beach

Are you looking for homeowners insurance in a city near Neptune Beach? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Neptune Beach, FL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Neptune Beach.

32266,     

Neptune Beach, FL Home Insurance Average Premiums

Local Neptune Beach, FL home insurance quotes comparison

$1371 /yr.

Shows Neptune Beach's lowest average rates with discounts applied.

For the city of Neptune Beach, 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)		$1371 /yr.
Average Coverage:$1621 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1921 /yr.

What is the average home insurance cost for a home in Neptune Beach, FL?

  • • The average homeowners insurance premium paid annually for a home in Neptune Beach is around $1621 per year.

What does it cost on average per month for home insurance in Neptune Beach, FL?

  • • Homeowners in Neptune Beach pay an average cost per month around $135.00 for insurance coverage.

Neptune Beach, FL Coastal Wind, Hail & Flood Information

Neptune Beach 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 Neptune Beach 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 Neptune Beach, FL.

Coastal Neptune Beach, 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

Neptune Beach, FL - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $710,760 $644,566
February $705,125 $658,914
March $702,725 $677,135
April $703,801 $694,439

Homeowners insurance will help cover the cost to repair or replace your Neptune Beach 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 Neptune Beach
  • 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.
Enter your Zip Code:    

Get up to 12 competitive Neptune Beach, FL homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Neptune Beach, FL rates all in one place!

Saving Money Tips on Neptune Beach Home Insurance

A great way to save money on Neptune Beach 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 Neptune Beach area? Check out what homeowners are paying on average for Florida homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
9 ft. This is the average home elevation in Neptune Beach, 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 Neptune Beach, 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.

Call Now for Flood Insurance Quotes: 888-620-1954!

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 Neptune Beach, 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

  • 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 […]

Neptune Beach, FL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Neptune Beach 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 Neptune Beach, FL?

- The average square footage in Neptune Beach is around 2,401 Sq. Ft. which would cost you around $401,000 to replace the home if you base the home on the price to build per square foot of $167.

Minimum Replacement Cost Total: $401,000

Location: Neptune Beach, Florida (Duval County)

Average Building Cost Per Square Foot in Neptune Beach: $167 (low end)

Average Square Footage in Neptune Beach: 2,401 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$167$401,000
Some Additional Upgrades$209$501,250
Major Home Updates or Advancements$251$601,500

The dwelling coverage is calculated by the average cost per square foot ($167) in Neptune Beach, 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.