If you own a home in Jacksonville, having a home insurance policy is a good idea. The city is prone to hurricanes and tropical storms, which can take a toll on your property. Fortunately, affordable coverage exists.
On average, Jacksonville homeowners pay $3,036 per year for homeowners insurance with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. Here’s what you need to know about comparing home insurance quotes and finding cheap home insurance in Jacksonville.
Best home insurance companies in Jacksonville
A number of home insurance companies serve the Jacksonville area. But the best home insurer for you will depend on your unique situation and particular needs.
Start your search with the insurers in the table below.
Best for cheapest rates: Travelers
Best insurer for military families: Armed Forces Insurance
Jacksonville is home to more than 78,000 veterans, according to 2023 U.S. Census Bureau estimates.
Veterans and military members in the area can lock in affordable home insurance coverage with Armed Forces Insurance (AFI). They may also choose from a long list of insurance products and add-ons, like flood insurance, valuable items coverage, and water backup coverage.
Best insurer for senior homeowners: Security First Insurance
Seniors make up just over 14% of Jacksonville’s population, according to 2023 U.S. Census Bureau data. Older adults in the area can take advantage of an age 55+ discount from Security First Insurance. As long as you’re at least 55, you’ll receive an automatic discount and be able to save on your home insurance policy.
Best insurer for personalized service: Florida Peninsula Insurance
If you prefer personalized service from a local insurance agent, Florida Peninsula Insurance may be a solid choice. The insurance company has many agents scattered throughout Jacksonville that can help you find the right policy for your particular needs.
It also offers a long list of unique coverage options for Floridians, such as identity theft coverage, golf-cart coverage, and sinkhole coverage.
Cheapest home insurance in Jacksonville
If you’re seeking the cheapest home insurance policy in Jacksonville, Travelers offers the lowest average annual premiums.
Here’s a look at some other affordable homeowners insurance companies for Jacksonville residents.
Cost of homeowners insurance in Jacksonville
The average cost of a home insurance policy in Jacksonville is $3,036. But factors like the age and size of your home, its proximity to fire protection services, your deductible, the discounts you’re eligible for, and the type of home insurance you choose all affect your premiums.1
Insurers will also consider your previous home insurance claims history when setting your rates.
Cost of homeowners insurance by dwelling coverage amount
It’s up to you to decide how much homeowners insurance coverage you want. You can typically choose between $100,000 and $500,000 in coverage. Keep in mind that higher coverage limits will lead to higher premiums. Depending on your home and risk tolerance, the extra cost may be worth it.
The table below shows the average cost of home insurance by coverage limits in the state of Florida.
Cost of homeowners insurance by deductible
A homeowners insurance deductible is the amount you pay out of pocket for damages to your home before your home insurance policy kicks in and covers the rest.2
While a higher deductible means you’ll pay a lower premium, it’ll cost you more for a covered claim. On the flip side, a lower deductible will lead to a higher premium but save you on out-of-pocket expenses for property damage.
Here’s a look at the cost of home insurance in Jacksonville, by deductible.
How to get cheap homeowners insurance in Jacksonville
These tips can help you lock in cheap home insurance coverage in Jacksonville:3
Shop around. Do your research and compare home insurance quotes from at least three different insurance companies. You can use a home insurance comparison tool or local agent to simplify the process and explore all your choices.
Increase your deductible. If you feel confident that you’ll be able to pay more out of pocket for a covered claim, a higher deductible can lower your home insurance rates. You can even start a dedicated savings account to cover potential out-of-pocket costs.
Take advantage of discounts. Most home insurance companies offer discounts that can lead to more affordable coverage. Some of the most popular discounts include a new-home discount, bundling discount, and loyalty discount.
Limit risky items. Items often included in homeowners insurance claims, like a swimming pool or trampoline, can increase your home insurance premiums. You may want to forego purchasing these to save money on a policy.
Florida homeowners insurance rates by city
Home insurance quotes in Florida vary by city and ZIP code. This is due to variances in weather conditions, crime rates, population, and how far homes are located from first responders.
The table below outlines home insurance rates in Florida, by city.
How much homeowners insurance do you need in Jacksonville?
If you take out a mortgage to purchase your Jacksonville home, your mortgage lender will require home insurance. Before you sign on the dotted line and commit to a policy, make sure you understand exactly what it covers.
Otherwise, you may not receive the home insurance coverage you want and face surprise expenses in the event your home, property, personal belongings, or other assets sustain damage.
What are some of the biggest risks when owning a home in Jacksonville?
Some of the most common perils you can expect as a Jacksonville homeowner include: