Cheap Jacksonville, FL homeowners insurance (August 2025)
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The average cost of homeowners insurance in Jacksonville, Florida, comes to around $1,517 annually. It is lower than the state and national averages.
The city has over 900,000 residents. If you’re new to the city, know it offers something for everyone and sunlight all year. Jacksonville offers residents miles of beaches and parks to explore. But the city experiences a fair share of tropical storms and hurricanes. But still, the Jacksonville homeowners insurance rate seems affordable for homeowners.
But are you still looking for cheap home insurance in Jacksonville, FL? We’ll help you find one!
Key Takeaways
- Jacksonville home insurance costs $1,517 yearly on average.
- Insurers offer premiums starting at around $666 annually.
- Ensure to buy flood insurance as the city gets affected by tropical storms.
Home insurance coverage options in Jacksonville
Most insurers offer you standard coverage. But if you want to protect your home further, try buying these coverages too.
- Business coverage: A standard HO-3 insurance policy may not cover home-based companies or other businesses. This coverage will offer coverage if your work-related computers, equipment, or inventory gets damaged or stolen due to a covered peril.
- Flood insurance: Standard home insurance policies doesn’t offer flood damage coverage. So, you might want to buy one via a private insurer or National Flood Insurance Program (NFIP).
- Water backup coverage: Your policy won’t provide coverage if your house gets damaged due to a sewer backup. Buying a water backup endorsement to your insurance may help you cover the costs.
The cheapest home insurance companies in Jacksonville
To find the cheapest insurers in the city, it is always best to get quotes from all insurers, compare, and buy. With a yearly average rate of $666, Universal North America offers the most affordable homeowners insurance in Jacksonville, Florida.
| Insurer | Average annual rate |
|---|---|
| Universal North America | $666 |
| Travelers | $932 |
| ASI | $1,184 |
| Universal Property | $1,267 |
| Allstate | $1,287 |
| Chubb | $1,289 |
| Nationwide | $1,379 |
| State Farm | $1,775 |
| Heritage | $1,872 |
| Citizens | $3,464 |
Jacksonville homeowners insurance prices by coverage level
The coverage level you choose also impacts your Jacksonville homeowners insurance rates. Homeowners having dwelling coverage up to $100,000 pay an average of $747 yearly. Whereas those with coverage up to $400,000 pay nearly $2,453 annually.
| Dwelling coverage level | Average annual rate |
|---|---|
| $100,000 | $747 |
| $200,000 | $1,327 |
| $250,000 | $1,569 |
| $400,000 | $2,453 |
Jacksonville home insurance rates by ZIP code
Home insurance premiums are not the same in all areas in Jacksonville. The volume of claims submitted in your neighborhood is one of the factors insurers consider when pricing your insurance premiums. We found that the most inexpensive home insurance in Jacksonville is in the ZIP Codes 32224, 32225, 32226, 32227, and 32233 with UPC Insurance.
| ZIP Code | Insurer | Average annual rate |
|---|---|---|
| 32099 | Tower Hill | $1,098 |
| 32202 | Tower Hill | $968 |
| 32204 | Tower Hill | $968 |
| 32205 | Tower Hill | $968 |
| 32206 | Tower Hill | $968 |
| 32207 | Tower Hill | $968 |
| 32208 | Tower Hill | $968 |
| 32209 | Tower Hill | $968 |
| 32210 | Tower Hill | $968 |
| 32211 | Tower Hill | $1,098 |
| 32212 | Tower Hill | $1,098 |
| 32216 | Tower Hill | $1,098 |
| 32217 | Tower Hill | $1,098 |
| 32218 | Tower Hill | $968 |
| 32219 | Tower Hill | $968 |
| 32220 | Tower Hill | $968 |
| 32221 | Tower Hill | $968 |
| 32222 | Tower Hill | $968 |
| 32223 | Tower Hill | $1,098 |
| 32224 | UPC Insurance | $788 |
| 32225 | UPC Insurance | $788 |
| 32226 | UPC Insurance | $788 |
| 32227 | UPC Insurance | $788 |
| 32233 | UPC Insurance | $788 |
| 32234 | Tower Hill | $1,032 |
| 32244 | Tower Hill | $968 |
| 32246 | Tower Hill | $1,098 |
| 32254 | Tower Hill | $968 |
| 32256 | Tower Hill | $1,098 |
| 32257 | Tower Hill | $1,098 |
| 32258 | Tower Hill | $1,098 |
| 32277 | Tower Hill | $1,098 |
Affordable home insurance areas in Jacksonville
The 32233 ZIP code (Mayport) has the lowest home insurance rates in Jacksonville, with an average annual premium of $1,703.
| ZIP Code | Average annual rate |
|---|---|
| 32233 | $1,703 |
| 32227 | $1,706 |
| 32225 | $1,756 |
| 32224 | $1,758 |
| 32226 | $1,760 |
Expensive home insurance areas in Jacksonville
The 32219 ZIP code (North Jacksonville) has the highest home insurance rates in Jacksonville, at $2,009 annually.
| ZIP Code | Average annual rate |
|---|---|
| 32219 | $2,009 |
| 32220 | $1,992 |
| 32208 | $1,978 |
| 32218 | $1,976 |
| 32209 | $1,975 |
Cheapest home insurance companies in Jacksonville for newly constructed homes
The insurance rates will be less if you own a new home. It is because new houses use building materials that are new and damage-resistant. With a yearly average rate of $469, Universal North America offers the most affordable homeowners insurance in Jacksonville, Florida, for new homes.
| Insurer | Average annual rate |
|---|---|
| Universal North America | $469 |
| ASI | $543 |
| Travelers | $802 |
| Nationwide | $849 |
| Universal Property | $889 |
| Chubb | $1,054 |
| Allstate | $1,126 |
| State Farm | $1,140 |
| Heritage | $1,312 |
| Citizens | $2,423 |
Cheapest home insurance companies in Jacksonville if you have a lot of personal property
Your home insurance coverage covers personal belongings in your home. Your premiums may differ depending on the personal property value you wish to insure. People who want to cover more personal property will pay more for insurance premiums. With a yearly average rate of $762, Universal North America offers the most affordable homeowners insurance in Jacksonville, Florida, with more personal property coverage.
| Insurer | Average annual rate |
|---|---|
| Universal North America | $762 |
| Travelers | $1,050 |
| ASI | $1,293 |
| Universal Property | $1,453 |
| Allstate | $1,528 |
| Nationwide | $1,631 |
| Chubb | $1,646 |
| State Farm | $1,849 |
| Heritage | $2,147 |
| Citizens | $3.974 |
Cheapest home insurance companies in Jacksonville for high deductibles
When buying a policy, it is vital to consider the deductible because it will impact your cost of homeowners insurance in Jacksonville, Florida. Higher deductibles tend to cost the homeowner lower premiums annually. But you must pay more out of pocket when filing a claim. With a yearly average rate of $580, Universal North America offers the most affordable Jacksonville homeowners insurance for policies with high deductibles.
| Insurer | Average annual rate |
|---|---|
| Universal North America | $580 |
| Travelers | $827 |
| ASI | $975 |
| Chubb | $1,082 |
| Universal Property | $1,102 |
| Nationwide | $1,165 |
| Allstate | $1,287 |
| State Farm | $1,488 |
| Heritage | $1,628 |
| Citizens | $3,010 |
Home insurance companies in Jacksonville for dog owners
Insurance companies consider certain dog breeds as ‘dangerous.’ So your premiums will be higher if you own an aggressive dog breed. Tower Hill offers the cheapest home insurance rates in Jacksonville for a house with a dangerous dog breed, with an average rate of $1,034 annually.
| Insurer | Average annual rate |
|---|---|
| Tower Hill | $1,034 |
| ASI | $1,470 |
| Universal Property | $1,705 |
| State Farm | $1,917 |
| Citizens | $5,622 |
Home insurance companies in Jacksonville for pool owners
Homeowners with swimming pools pay higher insurance premiums because liability claims are more likely. But not all insurers will consider this risk when calculating your premiums. Tower Hill offers the lowest home insurance rates for Jacksonville homes with swimming pools, with an average rate of $1,034 yearly.
| Insurer | Average annual rate |
|---|---|
| Tower Hill | $1,034 |
| ASI | $1,445 |
| Universal Property | $1,705 |
| State Farm | $1,917 |
| Citizens | $5,622 |
Home and auto insurance bundling in Jacksonville
Bundling your home and car insurance policies can reduce the cost of your Jacksonville home insurance. So, expect a reduction in your premiums after bundling these policies.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,048 |
| State Farm | $1,951 |
| Progressive | $2,984 |
| Allstate | $3,505 |
Cheapest home insurance companies in Jacksonville if you have poor credit
A low credit score may impact your home insurance quotes in Jacksonville. Insurers use your credit record to determine if you are a high risk to insure. So, having a poor credit score will result in higher premiums. With a yearly average rate of $932, Travelers offers the most affordable Jacksonville homeowners insurance for homeowners with poor credit.
| Insurer | Average annual rate |
|---|---|
| Travelers | $932 |
| Universal North America | $1,085 |
| Universal Property | $1,267 |
| Allstate | $1,287 |
| Nationwide | $1,379 |
| Heritage | $1,872 |
| ASI | $1,928 |
| Chubb | $2,278 |
| Citizens | $3,464 |
| State Farm | $3,808 |
Home insurance discounts in Jacksonville
Using the discounts that your insurer offers can also decrease your insurance premiums.
- Payment discounts: Setting up auto payments or prepaying your premiums for six months to a year in advance can offer you a discount.
- Safety devices: Some insurers offer discounts if your house has safety features like a smart sprinkler system or smoke alarm. Insurers may also provide discounts if you install a burglar alarm or deadbolt locks in your home
- Bundling or multi-policy: Bundling your home insurance policy with other policies from the same insurer, such as auto insurance, may reduce your premiums.
Getting online homeowners insurance quotes in Jacksonville
To get an online home insurance quote, you must provide some info to your insurer. The following information is necessary for an online quote.
- The replacement cost of your home: This estimates how much it will cost to restore your home if it gets damaged by a covered risk. Insurers use this to evaluate the dwelling coverage limit for your policy.
- The value of your personal property: The worth of the personal belongings you want to insure decides your policy’s personal property coverage limit.
- Information about your house: You must provide info such as the size of your home, the construction period, and any safety features installed to get your home insurance quote.
- Personal information: To determine the cost of home insurance in Jacksonville, you must provide some basic personal info. It includes your address, insurance history, the number of occupants, and other details.
How to buy homeowners insurance in Jacksonville
Here are a few tips for buying homeowners insurance in Jacksonville, FL.
- Reach out to a licensed Way agent: Our agents can answer your questions, help you decide your coverage amounts, and compare quotes.
- Ask about the FAIR plan: Our agents will suggest Florida’s FAIR plan as an alternative to regular coverage if several traditional insurance carriers turn you down owing to conditions that make it risky to insure.
- Buying flood insurance: Throughout the year, tropical storms and hurricanes affect Florida’s east coast. So, buying flood insurance can help you cover the water damage costs to your house.
- Fix the deductible: Determine how high a deductible you can afford if you are unlikely to file several claims. The bigger your deductible, the lower your premium.
- Compare quotes from a Way agent: Comparing rates with Way agents is the best way to find the cheapest home insurance in the city.
- Sign the policy and pay your initial premium: Our agents can do the paperwork when you’re ready to buy your policy. All you need to do is to sign the policy and pay the initial premium. Our agents will even cancel your previous coverage on your behalf.
Bottomline
The rate of house insurance in Jacksonville, FL, is cheaper than the national and state averages. Still, you can lower the premiums by comparing the quotes from all insurers and buying one. Using the discount of your insurer lowers it further.
FAQs
How much is homeowners insurance in Jacksonville, Florida?
Jacksonville homeowners insurance costs $1,517 annually.
What is the average cost of homeowners insurance in Florida?
Florida home insurance costs $2,200 yearly on average.
How much is home insurance a month in Jacksonville, Florida?
Homeowners insurance in Jacksonville, Florida, costs around $126 monthly.
What is the average cost of homeowners insurance in Jacksonville, Florida?
The average home insurance cost in Jacksonville, FL, is around $1,517 annually.
Why is homeowners insurance so high in Florida?
Since Florida has the highest risk of natural disasters of any state, home insurance rates typically cost more than the national average.
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