Jacksonville, FL Homeowners Insurance

Learn more about typical homeowners insurance rates in Jacksonville, Florida.

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Find cheap homeowners insurance in Jacksonville

 

Home insurance should be a critical consideration for every homeowner. It covers your dwelling and personal property in the event of a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such events — along with the high cost of rebuilding or repairing a home — homeowners coverage is a sound investment.

What you pay for homeowners insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Learn more information about what a home insurance policy covers.

Finding cheap home insurance in Jacksonville starts with shopping around and comparing policies. Check out the below summary of average home insurance premiums in Jacksonville to help you get as much information as possible when you start your search for insurance. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.

 
Jacksonville, Florida, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by the deductible amount
  5. Policy bundling discounts
 

Home insurance in Jacksonville by insurance company

Jacksonville home insurance rates will vary depending on which insurance company you choose. State Farm offers the most affordable home insurance in Jacksonville, at just $632 per year. This compares favorably to the city’s average homeowners premium of $1,483.

Take a look at the cheapest insurance companies in Jacksonville, Florida to find the best homeowners policy for you.

 
AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN JACKSONVILLE
CompanyAverage Annual Rate
State Farm$632
Security First$741
Allstate$1,276
Peoples Trust$1,527
American Integrity$1,561

 

Average homeowners insurance costs in Jacksonville by coverage limit

The level of homeowners coverage you select has an impact on the insurance premiums you pay. Homeowners in Jacksonville who carry $200K in dwelling coverage pay an average of $1,045 per year, while those with coverage up to $400K pay around $2,058 per year.

 
HOMEOWNERS INSURANCE RATES IN JACKSONVILLE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$631
$200K Dwelling$1,045
$250K Dwelling$1,317
$400K Dwelling$2,058

 

Jacksonville homeowners insurance rates by ZIP code

Homeowners insurance premiums can vary depending on what part of Jacksonville in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

To find the most affordable home insurance premiums in Jacksonville, look no further than 32250. In the 32250 area, homeowners policies typically cost just $1,339 per year — a full $144 less than the Jacksonville average. If you’re looking for the areas with the least expensive homeowners premiums in Jacksonville, peruse the table below.

 
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN JACKSONVILLE
ZIP CodeAverage Annual Home Insurance Rate
32250$1,339
32233$1,359
32227$1,360

On the other hand, some areas of Jacksonville face higher homeowners insurance costs, on average. These areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $1,559, 32208 comes in as the costliest ZIP code in Jacksonville for home insurance.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN JACKSONVILLE
ZIP CodeAverage Annual Home Insurance Rate
32208$1,559
32218$1,559
32219$1,558

 

Homeowners insurance deductibles in Jacksonville

One of the decisions available when shopping for homeowners policies is the amount of your deductible. A deductible is an amount for which a homeowner is responsible before the insurer will cover a claim. Where you choose to set your homeowners deductible is directly related to how much you pay in insurance premiums.

Put simply, a higher deductible leads to cheaper insurance premiums. Therefore, if you need your home insurance rates to be lower, you’ll want to keep your deductible higher. Be mindful of the fact that your deductible should only be set as high as you can reasonably pay if you suffer a loss.

The following table illustrates the typical premiums affiliated with standard home insurance deductibles.

 
HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE IN JACKSONVILLE
Deductible LevelAverage Annual Home Insurance Rate
$500$1,431
$1,000$1,317
$1,500$1,302
$2,000$1,174
$5,000$1,126

 

How to bundle insurance policies and save

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 your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Jacksonville homeowners could see annual savings of 6% on average.

 
CHEAPEST AUTO INSURANCE RATES WITH A POLICY BUNDLE IN JACKSONVILLE
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$843
State Farm$1,458
GEICO$1,944
Allstate$2,103
Progressive$2,411
 

Bundling your homeowners and auto policies can be a great way to save some money on insurance.

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.