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.
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.
Universal Property
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
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
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
Read our full State Farm home insurance review
Get quotes
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 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 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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
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.
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.
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.
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.
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.