Learn more about typical homeowners insurance rates in Jacksonville, Florida.
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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 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.
|Company||Average Annual Rate|
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.
|Coverage Level||Average Annual Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
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.
|Deductible Level||Average Annual Home Insurance Rate|
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.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
Bundling your homeowners and auto policies can be a great way to save some money on insurance.