Best homeowners insurance in Jacksonville, FL for 2022

We looked at average costs, coverages availability, and customer satisfaction ratings to find the best homeowners insurance companies in Jacksonville.

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Jacksonville is the largest city in Florida and has miles of beaches and parks available for residents to enjoy. And even with the risk of hurricanes and tropical storms, Jacksonville residents can also enjoy home insurance rates that are lower than most of the state. 

The average cost of homeowners insurance in Jacksonville is $1,884 per year or $157 a month. This is around 28% lower than the statewide average of $2,643 per year, but higher than the national average of $1,899. 

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Jacksonville.  

Best homeowners insurance companies in Jacksonville

Of the companies we evaluated, Tower Hill has the lowest rate with an average yearly cost of $1,022 — $862 less than the city average. State Farm’s average rate of $1,905 may be more expensive, but J.D. Power gave them a high score for customer and claim satisfaction, which is important to consider when determining what you want in an insurance company.

Policygenius analyzed thousands of quotes from the 5 largest Jacksonville insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Jacksonville residents to find the best homeowners insurance in Jacksonville.

Company

Average yearly cost

J.D. Power Rating

Universal Property

$1,693

--

Citizens

$5,610

--

State Farm

$1,905

835

Tower Hill

$1,022

--

ASI Progressive

$1,433

821

Universal Property

Universal Property logo

Universal Property is a Florida-based insurance company that provides a relatively standard, but solid home insurance policy. It's an especially good option if you have lots of animals on your property thanks to its special animal liability coverage.

Pros

  • Covers homes that are generally more difficult to insure

  • Excellent coverage add-ons, such as replacement cost contents, water backup, equipment breakdown, and service line coverage

  • Special animal liability coverage available in case your dog or another animal on your property injures someone

Cons

  • Customer reviews complain of a poor claims experience

  • Doesn't offer increased dwelling coverage

  • Minimal discount opportunities

Why Universal Property tops our best list

Jacksonville’s proximity to the coast means storms and hurricanes are more likely to cause damage to your home. Universal Property has a team whose specific job is to make sure your claim is processed right away so you can get back into your home as fast as possible. 

How to get a quote

Online through Universal Property

Citizens Insurance offers basic home and wind-only insurance coverage for homes in high-risk coastal areas of Florida. If you're having a difficult time finding a company to insure your home, Citizens is a decent last-resort option.

Pros

  • Provides homeowners insurance to high-risk homes that are often denied coverage by private insurers

  • Offers wind-only policies

  • Sets up catastrophe response centers after natural disasters to offer in-person support to homeowners without power or means of communication

  • File claims over the phone or online 24/7/365

  • Low customer complaint ratings in 2020

Cons

  • Rates are around 15% higher than the state average

  • Limited additional coverage options

Why Citizens Insurance tops our best list

If you are unable to purchase insurance from other companies due to high-risk circumstances, Citizens insurance can provide the coverage you need. While Citizens may be more expensive than other options in Jacksonville, it likely costs less then having to rebuild your home after a devastating storm.  

How to get a quote

Contact a Citizens Insurance agent through their website

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm makes homeowners insurance easy with the many options and resources on both their website and mobile app. With State Farm, you can get a quote, pay your premium, file and track claims, and even read articles about home ownership, all online. The convenience of having your policy in the palm of your hands is just one of the many reasons why State Farm consistently scores well with customer service ratings. 

How to get a quote

Online through State Farm

Tower Hill

Tower Hill logo

Tower Hill stands out thanks to its robust flood insurance options and contractor network program that makes repairing your home after a natural disaster as seamless as possible.

Pros

  • Offers 3 flood insurance options, including a private flood endorsement and standalone policy

  • Contractor network program for easy repairs that come with a 5-year warranty for workmanship

  • Lower-than-average customer complaints according to the NAIC

Cons

  • Little information about discounts or coverage options available online

Why Tower Hill tops our best list

It doesn’t take a major hurricane to cause flooding in Jacksonville. If your home is prone to water damage, Tower Hill offers multiple levels of flood insurance. With different options to meet your home’s needs, Tower Hill can provide both a private flood policy as well as the national program offered through FEMA.

How to get a quote

Online through Policygenius or Tower Hill

ASI Progressive

ASI Progressive logo

ASI Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros

  • Policies are backed by Progressive Insurance

  • Flood insurance coverage add-on available — a rarity among insurers

  • Save up to 20% when you bundle your home and auto insurance

  • Score discounts for owning a new home, signing up for e-bills, paying your premiums in full for the year, and more

  • Only pay one deductible if your home and car are damaged in the same incident and you bundle your home and auto insurance together

  • File and track claims online

Cons

  • Below-average claims satisfaction ratings

  • Minimal information about coverage add-ons available online

Why ASI Progressive tops our best list

ASI Progressive may not be the cheapest option in Jacksonville, but their highly-rated customer service along with their bundling discount provide an excellent value. ASI Progressive customers can save an additional 20% off when they purchase home and auto insurance together. This discount lowers average rates in Jacksonville down to $1,146, $738 less than the average insurance rates in the city.

How to get a quote

Online through Policygenius or Progressive

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Cheapest homeowners insurance companies by ZIP code in Jacksonville

Looking at average home insurance costs for 15 of the most popular companies in Jacksonville, we found that the cheapest home insurance in the city can be found in the 32224, 32225, 32226, 32227, and 32233 ZIP codes with UPC. The average UPC rate in these areas is $776 per year — 58% less than the city average of $1,884 per year. 

In other Jacksonville neighborhoods, homeowners can find the cheapest premiums with Tower Hill, whose rates are generally between $956 and $1,086 per year.

ZIP code

Company

Average yearly cost

32099

Tower Hill

$1,086

32202

Tower Hill

$956

32204

Tower Hill

$956

32205

Tower Hill

$956

32206

Tower Hill

$956

32207

Tower Hill

$956

32208

Tower Hill

$956

32209

Tower Hill

$956

32210

Tower Hill

$956

32211

Tower Hill

$1,086

32212

Tower Hill

$1,086

32216

Tower Hill

$1,086

32217

Tower Hill

$1,086

32218

Tower Hill

$956

32219

Tower Hill

$956

32220

Tower Hill

$956

32221

Tower Hill

$956

32222

Tower Hill

$956

32223

Tower Hill

$1,086

32224

UPC Insurance

$776

32225

UPC Insurance

$776

32226

UPC Insurance

$776

32227

UPC Insurance

$776

32233

UPC Insurance

$776

32234

Tower Hill

$1,020

32244

Tower Hill

$956

32246

Tower Hill

$1,086

32254

Tower Hill

$956

32256

Tower Hill

$1,086

32257

Tower Hill

$1,086

32258

Tower Hill

$1,086

32277

Tower Hill

$1,086

The most affordable areas for homeowners insurance in Jacksonville

With an average home insurance rate of $1,691 per year, the 32233 ZIP code (Mayport), is the most affordable area for home insurance in Jacksonville. Home insurance rates are determined by a number of factors such as the size and age of the house. 

ZIP code

Average yearly cost

32233

$1,691

32227

$1,694

32225

$1,744

32224

$1,746

32226

$1,748

The most expensive areas for homeowners insurance in Jacksonville

With an average home insurance rate of $1,997, the 32219 ZIP code (North Jacksonville) is the most expensive area for home insurance in Jacksonville. Larger home sizes may be a factor in the increased insurance rates. 

ZIP code

Average yearly cost

32219

$1,997

32220

$1,980

32208

$1,966

32218

$1,964

32209

$1,963

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In the news

Thousands of Florida homeowners facing policy cancellations, higher premiums, and mortgage defaults

After Demotech downgrades several Florida insurance carriers' financial strength and stability ratings, thousands of homeowners are at risk of losing their home insurance.

Jennifer Gimbel • August 5, 2022

Shopping for homeowners insurance in Jacksonville

It’s easy to get overwhelmed when shopping for homeowners insurance, but when you know how much coverage you need to protect your home, you can compare quotes to find the right policy. Since factors like the size and age of your home will impact your insurance rate, be sure to shop around to find the best deals.  

In this section, we break down the average annual home insurance rates in Jacksonville for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Jacksonville.

Jacksonville home insurance costs by coverage amounts

The dwelling coverage portion of your policy pays for the cost to repair or rebuild your home when it is damaged by a covered hazard. The amount of coverage in your policy should be based on your home’s replacement cost — not its market value or the price you originally paid. 

Knowing your home’s replacement cost can save you money since you will pay more for your policy when you have a larger dwelling coverage amount. As shown on the table below, $100,000 in coverage costs an average of $751 per year in Jacksonville, while a policy with $300,000 in coverage has a yearly cost of $1,884. A policy with $500,000 will cost an average of $3,106 per year.

Dwelling coverage amount

Average yearly cost

$100,000

$751

$200,000

$1,316

$300,000

$1,884

$400,000

$2,486

$500,000

$3,106

Liability insurance covers medical bills and expenses if you are responsible for someone else’s injury. This coverage can also cover replacement or repairs if you’re responsible for accidental property damage.

While you want the amount of insurance to cover your total assets, like your house, cars, and cash, you should also get the most coverage available if it doesn’t impact your premium.

Liability coverage amount

Average yearly cost

$100,000

$2,488

$200,000

$1,426

$300,000

$1,618

$500,000

$1,515

Jacksonville home insurance costs by deductible amount

Your home insurance deductible is the amount you pay out of pocket on each claim. Since you will pay this amount each time you file a claim, consider if you are likely to have multiple claims throughout the year. If your house is damaged every time a storm hits, you may want to pay more in premiums for a lower deductible. But if your house isn’t often impacted by hurricanes or tropical storms, a high deductible policy is a good option. 

As seen in the table below, Jacksonville residents can save around $446 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$2,041

$1,000

$1,884

$2,000

$1,595

Home insurance discounts in Jacksonville

Insurance companies will often offer discounts to customers for installing home safety devices such as security alarms, cameras, or smoke detectors. By making your house safer, you are less likely to file an insurance claim, which reduces insurance costs. 

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Jacksonville with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,884

Smoke alarm

$1,884

Burglar alarm

$1,794

Wind mitigation discounts & incentives in Florida

Many home insurance companies in Florida offer Fortified Roof, Fortified Home, and other wind mitigation discounts for installing fixtures or using construction techniques to reduce windstorm damage during a hurricane or tropical storm.

Other incentives include:

  • Hurricane Loss Mitigation Grant: Offers grants for retrofits, inspections, and construction to fortify your home against flooding and hurricane-force winds

  • Florida Property Assessed Clean Energy (PACE) Program: Offers financing for up to 100% of the costs to fortify your home against wind damage — payments are added to your property tax bill each year for an agreed-upon term

→ Learn more about wind mitigation discounts & how to qualify

Home insurance companies in Jacksonville for dog owners

Insurance companies have deemed certain dog breeds to be dangerous and, as a result, will factor that into your premiums if you own a so-called aggressive dog breed. Since these breeds have been accountable for more instances of bites and attacks, their owners are more likely to file a liability claim. 

With an average rate of $1,022 per year, Tower Hill has the cheapest home insurance rates in Jacksonville for a home with a dangerous dog breed, while Citizens’ average yearly premium of $5,610 is the highest. 

Company

Average yearly cost

Tower Hill

$1,022

ASI Progressive

$1,458

Universal Property

$1,693

State Farm

$1,905

Citizens

$5,610

Home insurance companies in Jacksonville for poor credit

Having a low credit score could potentially affect your home insurance rate. Insurance companies use a portion of your credit report to determine if you are a high risk to insure. 

Studies have shown that customers with good credit are more likely to pay for small repairs out of pocket, whereas those with poor credit are more likely to file claims to cover costs. Since not all insurers weigh this information as heavily as others, be sure to shop around to make sure you're getting the cheapest rate. 

With an average rate of $1,628 per year, Tower Hill has the cheapest home insurance rates in Jacksonville for a homeowner with poor credit, while Citizens’ average yearly premium of $5,610 is the highest. 

Company

Average yearly cost

Tower Hill

$1,628

Universal Property

$1,693

ASI Progressive

$2,465

State Farm

$3,262

Citizens

$5,610

Home insurance companies in Jacksonville for pool owners

Insurance rates for pool owners tend to be higher due to the increased risk of liability claims, though not all insurance companies will factor this risk into the cost of your premium. 

With an average rate of $1,022 per year, Tower Hill has the cheapest home insurance rates for Jacksonville homes that have a swimming pool, while Citizens’ average yearly premium of $5,610 is the most expensive.

Company

Average yearly cost

Tower Hill

$1,022

ASI Progressive

$1,433

Universal Property

$1,693

State Farm

$1,905

Citizens

$5,610

How to buy homeowners insurance in Jacksonville

No matter where you live in Jacksonville or how old or big your home is, you can save money by shopping around and comparing quotes on your home insurance policy. Here are some tips to help with your search:

  1. Reach out to a licensed Policygenius agent. A Policygenius agent can answer your questions, help determine your coverage amounts, compare quotes, and assist with your paperwork — all for no fee. 

  2. Ask about Florida’s FAIR plan. If you’ve been turned down by multiple traditional insurance companies due to factors that make you a high risk to insure, our agents can discuss Florida’s FAIR plan as an alternative to traditional coverage. 

  3. Consider purchasing flood insurance. Florida’s east coast sees both tropical storms and hurricanes throughout the year and whether or not you live in a flood zone, flood insurance can reduce the costs of water damage to your home.

  4. Figure out how much you can afford to pay for your deductible. If you are unlikely to file multiple insurance claims, determine how high of a deductible you can afford. The higher your deductible, the lower your premium will be.  

  5. Compare quotes from a Policygenius agent. There are many factors that determine your insurance rate, and insurers weigh those factors differently. Comparing quotes with Policygenius is the best way to find the most affordable home insurance.

  6. Choose your policy, sign it, and pay your first premium. Once you’re ready to purchase your policy, our agents can prepare the paperwork for your signature, so all you need to do is pay your first premium installment. We can even cancel your old policy for you. 

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Frequently asked questions

How does the cost of insurance in Jacksonville compare to the rest of the state?

The average annual rate of insurance in Jacksonville is $1,884 per year, which is $759 lower than the statewide average of $2,643.

Will my insurance cost more if I have a pool on my property?

Since some insurance companies factor the increased risk of injury into your premium, it’s possible you will pay more for insurance if you own a pool.

What is the best average rate in Jacksonville?

Tower Hill has the cheapest rates in Jacksonville, with an average yearly cost of $1,022, but the best home insurance company is the one that offers you the right coverage at an affordable price.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Freelance contributor

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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