5 Best Jacksonville Homeowners Insurance Companies (2025)
Allstate offers some of the cheapest homeowners insurance policies in Jacksonville, Florida, with average monthly premiums of $289.
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Written byEmily Guy Birken
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
If you own a home in Jacksonville, Florida, 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 $1,583 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.
Quick Facts
Jacksonville’s average annual home insurance premium of $1,583 is much higher than the national average of $2,511 for the same coverage level.
Travelers, Armed Forces Insurance, Security First Insurance, and Florida Peninsula Insurance are some of the cheapest home insurance companies in Jacksonville.
As a Jacksonville homeowner, you should consider add-on coverages like hurricane insurance and flood insurance to better protect your home.
Best home insurance companies in Jacksonville
A number of quality home insurance companies serve Jacksonville homeowners. Comparing quotes from multiple insurers is the best way to find the right coverage for your home insurance needs.
That’s because the best home insurance company for you depends on your situation, which includes factors like your budget, claims history, proximity to beaches or a flood zone, and the amount of coverage you need.
Here are five of the best home insurance companies in Jacksonville to help you start your search.
Travelers: Best for cheap rates
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 609 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $261/mo |
If you’re looking for a good deal on home insurance in Jacksonville, Travelers should be on your radar. Compared to other top home insurance companies, it offers the cheapest average premiums.
In addition to low rates, Travelers offers a unique green home insurance policy. This ensures you can repair, replace, or rebuild your home with eco-friendly materials after a covered loss.
Pros
Competitive rates
Green home insurance coverage available
Access to 10,000+ vetted contractors via MyTravelers Repair Network
Cons
Fewer advertised discounts than some competitors
Subpar J.D. Power home insurance customer satisfaction rating
Flood insurance not available for manufactured or mobile homes
Armed Forces Insurance: Best for military families
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.
Pros
Caters to military community
Many available add-on coverages
Hurricane-mitigation discounts available
Cons
Must join AFI to take out a home insurance policy
No AM Best financial strength rating
Low-rated mobile app on App Store, no app on Google Play
Security First Insurance: Best for senior homeowners
Senior homeowners in the area can take advantage of an age 55+ discount from Security First Insurance. As long as you’re 55 or older, you’ll receive an automatic discount and save on your home insurance policy. The home insurer also offers additional discounts, including savings for wind mitigation, building code compliance, secured community, and signing up for paperless payment.
Pros
Age 55+ homeowner discount
Coverage for homes more than 30 years old
Numerous discounts, including for wind mitigation
Cons
No AM Best financial strength rating
Doesn’t offer car insurance, so you can’t bundle with an auto policy
Poor reviews and numerous complaints on Better Business Bureau (BBB) website
Florida Peninsula Insurance: Best for personalized service
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.
Pros
Local agents offer personalized service
Many available coverage options
Free tools and resources, including hurricane preparedness manual
Cons
Mixed customer reviews on BBB website
Higher premiums than some competitors
No bundling discounts
Citizens Property Insurance Corporation: Best insurer for people who don’t qualify for other coverage
Citizens Property Insurance Corporation is an insurer of last resort for Florida homeowners who don’t qualify for coverage elsewhere due to risk of hurricanes or other perils.[1] That said, having too many properties insured by Citizens threatens the insurer’s solvency. This is why the program is having for-profit private insurance companies take over Citizens policies.
Under its depopulation program, current Citizens policyholders may receive notice of depopulation in the mail. This means that a private insurer has assumed their policy and that they’re no longer eligible to remain with Citizens. Legally, at least one of the policy offers must cost no more than 20% more than their Citizens premium renewal cost.
Pros
Provides insurance to people who don’t qualify for other coverage
Florida law sets premium rates
Consistently works to remain solvent while maintaining coverage
Cons
May impose additional charge on top of premiums after devastating storms
Policyholders may face depopulation without warning
If depopulated, new policy prices can legally go up by 20%
Our editorial team analyzed regional and national home insurance companies that sell policies in Jacksonville to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Jacksonville?
The average cost of a home insurance policy in Jacksonville is $1,583, while the average cost in the state of Florida is $2,479. 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.[2]
Insurers will also consider your previous home insurance claims history when setting your rates.
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Cheapest home insurance in Jacksonville
If you’re seeking the cheapest home insurance policy in Jacksonville, Allstate offers the lowest average annual premiums.
Here’s a look at some other affordable homeowners insurance companies for Jacksonville residents.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $2,676 |
| Chubb | $3,384 |
| State Farm | $3,528 |
| Nationwide | $5,544 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $4,848 |
| State Farm | $6,324 |
| Chubb | $8,160 |
| Nationwide | $11,940 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Allstate | $6,552 |
| State Farm | $8,532 |
| Chubb | $11,664 |
| Nationwide | $16,752 |
The state of home insurance in Florida
Florida homeowners continue to pay the highest home insurance premiums in the U.S., primarily because of its susceptibility to hurricanes. The National Centers for Environmental Information has found that hurricanes cause more financial damage than any other type of natural disaster.[3]
The consistent annual risk of property damage to Florida homes led to insurers pulling out of the Sunshine State for several years, which further increased prices. While the homeowners insurance market has begun to stabilize, thanks in part to the work of the Florida Office of Insurance Regulation, quotes in this state continue to be the highest in the nation.
How much homeowners insurance do you need in Jacksonville?
Unlike car insurance, states don’t legally mandate homeowners insurance. But most mortgage lenders require borrowers to have homeowners insurance to protect the property for the length of the loan.
Jacksonville residents should consider buying the following home insurance coverage amounts:
Dwelling: Have enough dwelling coverage to rebuild or repair your home to its original condition at current market rates. Home prices in Jacksonville tend to be among the most affordable in Florida.
Other structures: Other structures insurance may cover detached garages, pools, sheds, and gazebos. Carry enough of this coverage to repair or rebuild any structures to their original condition.
Loss of use: Get sufficient loss of use coverage to pay for your family’s temporary or extended lodging and food if your home becomes unlivable.
Personal property: Minimum personal property coverage typically ranges between 50% and 70% of your dwelling coverage limit. You should have enough to replace either your most important personal effects or your full home inventory.
Personal liability: Minimum personal liability coverage usually starts at $100,000, but experts recommend between $300,000 and $500,000 of liability coverage, or an excess liability or umbrella policy.
Medical payments: Like personal liability, the minimum medical payment coverage is usually $100,000, but you should have between $300,000 and $500,000 in coverage, or an excess liability or umbrella policy.
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Learn More: What Does Home Insurance Cover?
What to know about home insurance in Jacksonville, FL
Standard home insurance in Jacksonville may not cover all the perils your home may face. Make sure you know the most common perils that lead to insurance claims in Jacksonville so you have enough insurance coverage.
Hurricanes
Jacksonville is no stranger to hurricanes that can cause serious wind damage to your home and personal property. Since a standard home insurance policy doesn’t cover hurricanes, getting an add-on hurricane insurance policy may be worthwhile.
Floods
Water damage from floods in Jacksonville can be very detrimental to your home. You can purchase flood insurance through the National Flood Insurance Program (NFIP) or some private insurers.
Theft
Compared to other cities in Florida, Jacksonville has a high theft rate. Fortunately, standard homeowners policies cover theft and break-ins.
Home insurance coverage for hurricanes and flooding
While standard homeowners insurance policies cover damage from hurricanes and windstorms, standard policies almost always exclude flood damage, even though hurricanes often cause flooding.[4] Homeowners must get a separate flood insurance policy to protect their homes from flood damage.
You can purchase flood insurance from the National Flood Insurance Program (NFIP) run by the Federal Emergency Management Agency (FEMA) or from a private insurance company.[5] Homeowners with a federally backed mortgage, like from the Federal Housing Administration or the Department of Veterans Affairs, have to carry flood insurance. Mortgage lenders also typically require anyone living in a flood zone to purchase flood insurance as a condition of the mortgage.
Although standard home insurance policies cover hurricane and windstorm damage, you may face special deductibles if you have to make a claim for these kinds of damage. Hurricane or wind deductibles are higher than your normal policy deductible and are usually a percentage of the insured value of your home.
Hurricane deductibles may occur when the National Weather Service gives a name to a tropical storm expected to become a hurricane or when it defines the storm’s intensity in terms of wind speed.[6] Your policy should state your specific trigger. Windstorm deductibles may apply after any type of wind damage and not because of any specific type of storm.
How to get home insurance in Jacksonville
Follow these steps to get homeowners insurance in Jacksonville:
Consider your timing. You may be subject to a waiting period for hurricane coverage or flood insurance, since insurers generally won’t allow homeowners to purchase a policy mere days before a major hurricane may make landfall.[7]
Get quotes from several insurers. Shopping around is the best way to find the most affordable rates for the coverage you need. This is especially important in Florida, where homeowners insurance prices are the highest in the nation.
Ask about the FAIR Plan. If you’re unable to qualify for a policy through a private insurance company, you may be eligible for a Fair Access to Insurance Requirements (FAIR) Plan through Citizens Property Insurance Corporation.[8]
Calculate your coverage needs. Don’t assume the minimum coverage required by your lender provides enough coverage. Calculate how much dwelling, other structures, loss of use, personal property, personal liability, and medical payments coverage you’ll need.
Purchase your policy. If you’re making monthly payments, automatic payments can ensure you never forget a bill.
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Average cost of home insurance in other cities in Florida
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 from first responders.
The table below outlines home insurance rates in Florida, by city.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: $300,000 in Dwelling Coverage |
|---|---|
| Tallahassee | $3,156 |
| Gainesville | $3,180 |
| Orlando | $4,608 |
| Tampa | $5,460 |
| Palm Bay | $6,276 |
| Pensacola | $6,636 |
| Cape Coral | $7,716 |
| Port Saint Lucie | $11,880 |
| Miami | $13,740 |
Jacksonville homeowners insurance FAQs
If you’re shopping for a home insurance policy in Jacksonville, this additional information may help as you research your options.
Home insurance in Jacksonville costs an average of $1,583 per year with a $1,000 deductible and $300,000 in dwelling coverage. That average rate increases slightly to $1,741 per year with a $500 deductible and $300,000 in dwelling coverage, according to Insurify data.
Allstate has the cheapest homeowners insurance in Jacksonville, with an average monthly premium of $289. But the cheapest home insurance company for you will depend on many factors, including the age of your home, ZIP code, and your previous claims history.
The best home insurance company in Jacksonville depends on your specific needs. According to Insurify data, Travelers has the lowest rates, Armed Forces Insurance is best for military families, Security First is best for seniors, and Florida Peninsula is best for personalized service.
No. City and state law don’t require home insurance, but your lender will require home insurance if you have a mortgage on your home.
Even if you’ve paid your home off, having home insurance is a good idea. Florida is prone to tornadoes and tropical storms that can cause a lot of damage, and without a home insurance policy, you’d be responsible for covering any damages out of pocket.
Citizens Property Insurance Corporation is the largest home insurer in Florida, based on 2024 Market Share Reports from the National Association of Insurance Commissioners.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Citizens Property Insurance Corporation. "Who We Are."
- Florida Department of Financial Services. "Homeowners Insurance Overview."
- National Oceanic and Atmospheric Administration. "Billion-Dollar Weather and Climate Disasters."
- Insurance Information Institute. "Hurricane season insurance guide."
- Federal Emergency Management Agency. "Flood Insurance."
- Insurance Information Institute. "Understanding your insurance deductibles."
- National Oceanic and Atmospheric Administration. "Prepare Before Hurricane Season."
- Insurance Information Institute. "What are Fair Plans and how might they provide insurance coverage?."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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