Jacksonville Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Jacksonville


A critical consideration for every homeowner should be insurance coverage for your home. Fire, vandalism, theft, and wind damage are only a few of the perils for which homeowners insurance can protect your dwelling and other personal belongings. Events like this occur frequently. When paired with the high cost of repairing or rebuilding a home, investing in an expansive homeowners policy can seem like a great idea.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance policies may be more expensive to account for the extra risk. Discover more information about what a home insurance policy covers.

If you want to find cheap home insurance coverage in Jacksonville, start with shopping around and comparing different 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 homeowners insurance. 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.


Jacksonville, Florida, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Jacksonville by insurance company

Jacksonville homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Jacksonville comes from State Farm, which offers average annual rates of just $632 per year. This is more favorable than the city’s average home insurance premium of $1,483.

Start your search for a home insurance policy by reviewing the cheapest companies in Jacksonville, Florida, listed below.


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 level

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay . In Jacksonville, carrying $200K dwelling coverage costs an average of $1,045, while carrying additional coverage up to $400K costs $1,955/year.


HOMEOWNERS INSURANCE RATES IN JACKSONVILLE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,045
$400K Dwelling$1,955

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Jacksonville home insurance prices by ZIP code

Home insurance premiums can vary depending on what area of Jacksonville in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically impact your home insurance premium.

The cheapest home insurance rates in Jacksonville are available in 32250. In 32250, the typical home insurance policy costs $1,339 per year — $144 less than the citywide average in Jacksonville. If you’re looking for the areas with the least expensive homeowners insurance rates in Jacksonville, have a look at 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

Other areas of Jacksonville, it should be noted, face homeowners rates that are higher than the city average . These parts of town could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for homeowners coverage in Jacksonville is 32208, with an annual average rate of $1,559.


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

Money-saving tip for home and auto insurance in Jacksonville: bundling

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


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN JACKSONVILLE
CompanyAvg. Annual Auto Insurance Rate (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. Call 855-493-9728 to speak with an expert today.


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