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How to find affordable homeowners insurance in Jacksonville

A critical consideration for every homeowner should be home insurance. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing a home -- purchasing home insurance is a wise investment. The average monthly cost of home insurance in Jacksonville is $131, about 10% more than the national average.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Learn more information about the specifics of home insurance coverage.

If you want to find cheap homeowners insurance in Jacksonville, start with shopping around and comparing different policies. Have a look at the summary below comparing average home insurance rates in Jacksonville to begin your home insurance search with as much information as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Jacksonville home insurance by company

Jacksonville homeowners insurance rates will vary depending on which insurance company you choose. Security First offers the most affordable home insurance in Jacksonville, at just $478 per year. This compares favorably to the city’s average homeowners premium of $1,857.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest home insurers in Jacksonville, Florida. Then, see our guide ranking the best home insurance companies by factors such as customer satisfaction.

AFFORDABLE HOME INSURERS IN JACKSONVILLE
Company Average Annual Rate
Security First $478
State Farm $686
Allstate $1,280
American Integrity $2,108
Peoples Trust $2,650
 

Jacksonville homeowners insurance prices by coverage level

The amount of homeowners coverage you select has an impact on your insurance rates. Homeowners in Jacksonville who carry $200K in dwelling coverage pay an average of $1,315 per year, while those with coverage up to $400K pay around $2,441 per year.

 
POPULAR COVERAGE LIMITS IN JACKSONVILLE
Coverage Level Average Annual Rate
$100K Dwelling $735
$200K Dwelling $1,315
$250K Dwelling $1,557
$400K Dwelling $2,441
 

Jacksonville home insurance rates by ZIP code

Not every area of Jacksonville has equal home insurance premiums. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, the location of your house can dramatically influence your home insurance rates.

To find the cheapest homeowners coverage in Jacksonville, look no further than 33637. In the 33637 area, homeowners coverage usually costs just $1,775 per year — a full $82 less than the Jacksonville average. If you’re looking for the areas with the most affordable homeowners insurance in Jacksonville, have a look at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN JACKSONVILLE
ZIP Code Average Annual Home Insurance Rate
33637 $1,775
33617 $1,785
33647 $1,795

On the other hand, some areas of Jacksonville face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $1,981 makes 33621 the most expensive ZIP code in Jacksonville for homeowners insurance.

 
EXPENSIVE HOME INSURANCE AREAS IN JACKSONVILLE
ZIP Code Average Annual Home Insurance Rate
33621 $1,981
33616 $1,979
33629 $1,924
 

Jacksonville homeowners insurance deductibles

Homeowners have numerous choices to make when deciding on a home insurance policy, including how high or low to set their deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Choosing your deductible plays a significant role in how much you pay for your coverage.

Put simply, a higher deductible leads to cheaper insurance premiums. Therefore, it might make sense to set a higher deductible if your are hoping to pay lower premiums. It's worth mentioning that a homeowners deductible should only be as high as you can reasonably pay in the event of a loss.

Take a look at the standard deductibles offered by home insurance companies and an approximation of average homeowners insurance rates.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN JACKSONVILLE
Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,690
$1,000 $1,557
$1,500 $1,540
$2,000 $1,390
$5,000 $1,333
 

Home and auto insurance bundling in Jacksonville

If you’re seeking ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Jacksonville leads to average annual savings of 6%.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN JACKSONVILLE
Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $1,036
State Farm $1,939
GEICO $2,532
Progressive $2,972
Allstate $3,493

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.