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Jacksonville, FL Homeowners Insurance Average Cost & More

By Jarrod Heil

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Jacksonville is both the largest city in Florida by population and land area, and it’s pretty easy to see why Jax is one of the fastest-growing cities in the country. Situated on the winding St. John’s River and just minutes from world-class beaches, Jacksonville, Florida is the epitome of a water-centric city.

Even though Jacksonville is the furthest big city north inside the state of Florida, it still faces its fair share of perils that can cause significant and costly damage to homes.

Luckily, a Jacksonville homeowners insurance policy can help you protect your house, belongings and financial futures from a multitude of unexpected events, like fires and hurricanes.

Florida is the most hurricane-prone state in the country and much of the state has been hit hard by hurricanes in the past. Luckily for Jacksonville residents, the northeast part of Florida has been hit by the fewest number of hurricanes through the years.

But that doesn’t mean a hurricane, or another peril, won’t come out of nowhere when you least expect it. That’s why you always have to be prepared for anything with adequate and affordable homeowners insurance in Jacksonville, Florida.

Average Cost of Homeowners Insurance in Jacksonville, Florida

The average cost of homeowners insurance in Jacksonville, Florida is $1,316 per year for a house worth $150,000. Since Jacksonville isn’t as susceptible to hurricanes as other areas in Florida, it has lower premiums than the rest of Florida’s major cities. Many factors go into pricing homeowners policies, so you could pay less or more than this number.

Average Homeowners Insurance Cost in Jacksonville for a $150,000 House


ASI$1,404
Citizens$865
FedNat$1,507
Florida Penn$1,127
Liberty Mutual$1,577
People’s Trust$1,469
State Farm$1,636
UPCIC$943
Average$1,316

☘ $150,000 Value – Pre-2001 Construction w/ Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

☘ $150,000 Value – Pre-2001 Construction w/ No Wind Mitigation: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

☘ $150,000 Value – 2001-Present Construction: This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation: A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 Value Pre-2001 Construction
W/ Wind Mitigation

$1,301
$700
$1,220
$1,100
$1,472
$1,264
$1,561
$780
$1,162

$150,000 Value Pre-2001 Construction
No Wind Mitigation

$1,820
$1,176
$2,034
$1,401
$1,802
$2,105
$1,996
$1,332
$1,652

$150,000 Value 2001-Present Construction

$1,090
$718
$1,268
$881
$1,457
$1,039
$1,350
$718
$1,065

*Insurers are required to send in their average annual homeowners insurance premiums once per year to the Florida Office of Insurance Regulation, so the rates shown above are the average rates you can expect in Jacksonville.

It’s Time to Switch Your Homeowners Insurance

We partner with Jacksonville’s top homeowners insurance companies so you can get a custom policy at an affordable price.

Since all Florida insurance companies must submit an average annual homeowners insurance premium, it gives us a good scope of which companies are the most affordable and which have relatively high premiums.

If you own a home that was built before 2001, which is the year that brought on more stringent hurricane building codes for homes, getting a wind mitigation for your home could save you more than $500 per year on premiums. If your home was built from 2001 to the present, your home was built using these codes, so the wind mitigation discount is already enforced.

But Jacksonville’s real estate market has been booming in recent years, so you’d probably be hard-pressed to find a house for less than $150,000. Many homes are going for $200,000 or more. So we calculated the average cost of homeowners insurance in Jacksonville for a $300,000 home and found that homeowners pay an average of $2,632 per year.

Average Homeowners Insurance Cost in Jacksonville for a $300,000 House


ASI$2,807
Citizens$1,729
FedNat$3,015
Florida Penn$2,255
Liberty Mutual$3,154
People’s Trust$2,938
State Farm$3,271
UPCIC$1,887
Average$2,632

Homeowners
Insurance
Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$300,000 Value Pre-2001 Construction
W/ Wind Mitigation

$2,602
$1,400
$2,440
$2,200
$2,944
$2,528
$3,122
$1,560
$2,324

$300,000 Value Pre-2001 Construction
No Wind Mitigation

$3,640
$2,352
$4,068
$2,802
$3,604
$4,210
$3,992
$2,664
$3,303

$300,000 Value 2001-Present Construction

$2,180
$1,435
$2,536
$1,762
$2,913
$2,077
$2,699
$1,436
$2,137

Jacksonville’s Insurance Rate Factors to Consider

While the estimates provided are an overall average of each company’s insurance premiums, you could pay less or more for your Jacksonville homeowners insurance policy depending on a multitude of factors that help to determine your individual premium.

A few other factors that can lead to rate increases or decreases in the Jacksonville area are:


Depending on where you live in Jacksonville, whether it’s closer to the St. Johns River or a safe distance from any water that could cause significant damage, will be a huge factor in your premiums. Property crime is also a bit higher in Jacksonville than other cities in Florida, so that could impact your rates as well.

Best Homeowners Insurance Companies in Jacksonville, Florida

The best homeowners insurance companies in Jacksonville, Florida for premiums and customer service are undoubtedly Citizens Property Insurance and Universal Property & Casualty Insurance Company. If you have a home valued at $150,000 or less, you could potentially get a Jacksonville homeowners insurance policy for less than $1,000 per year.

When you consider the average cost of homeowners insurance in Florida is about $2,557 for that category, you’re getting a steal of a policy. And the average premium for a $300,000 home in Florida is $4,086 per year, which is almost double Jacksonville’s annual cost of $2,632.

As a licensed insurance agent in Jacksonville, we can pair you with the best policy from Citizens Property Insurance and Universal Property & Casualty Insurance Company for the best prices. To do so, simply get a quick and free quote from our online quoting tool.

If you want to go a different route, we can also pair you with a policy from FedNat, Florida Penn and People’s Trust, as well as a few other carriers.

It’s Time to Switch Your Homeowners Insurance

We partner with Jacksonville’s top homeowners insurance companies so you can get a custom policy at an affordable price.

What Does Homeowners Insurance in Jacksonville, Florida Cover?

Homeowners insurance in Jacksonville, Florida is designed to cover your home, everything you keep on your property and certain incidents you may be found liable for, such as a friend coming over and getting hurt in the pool. Let’s take a look at the breakdown of coverages.

Dwelling: Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures: Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed

Personal Property: Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use: Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Liability: Helps to pay for injuries or other property damages that the policyholder is found liable for, such as a broken bone and legal fees.

Medical Payments: Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

Flood Insurance in Jacksonville

Since Jacksonville is along the coast and the St. Johns River runs directly through the city, the entire city of Jacksonville, Florida is prone to flooding. Unfortunately, homeowners insurance doesn’t cover flood damage anywhere in the U.S.

To be covered by the existential threat of flooding Jacksonville, you’ll need to purchase a separate flood insurance policy, which protects against storm surges from hurricanes, overflowing bodies of water and heavy rains that cause flooding — which are common threats to homes in Jax.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

How to Get Home Insurance in Jacksonville

Getting home insurance in Jacksonville is super simple and extremely quick when you use our intuitive online quoting engine. Simply input a few details about your home and yourself, our archive of data sources will fill in the blanks and you’ll be on your way with your brand new homeowners insurance policy in Jacksonville.

And if you have any questions along the way, our live-chat feature manned by in-house licensed agents is a go-to option. We’re also a big fan of the old-school ways, so you can reach one of our licensed agents by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or email us anytime at agent@clovered.com.