5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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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.
Quick Facts
Jacksonville’s average annual home insurance premium of $3,036 is much higher than the national average of $1,770 for the same dwelling 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 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.
Insurance Company
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.
Average Annual Premium
Best for
Travelers
3.9
$1,072
Cheapest rates
Armed Forces Insurance Exchange
N/A
$1,723
Military families
Security First Insurance
N/A
$1,789
Senior homeowners
Florida Peninsula Insurance
N/A
$1,826
Personalized service
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
9.0/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
$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.
$89/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.
$167/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, it offers a unique green home insurance policy, which will ensure your home is repaired, replaced, or rebuilt with eco-friendly materials after a covered loss.
Pros
Competitive rates
Green home insurance coverage available
Cons
Fewer advertised discounts than some other home insurance companies
Subpar J.D. Power home insurance customer satisfaction rating
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.
Pros
Caters to the military community
Many available add-on coverages
Cons
Must join AFI to take out a home insurance policy
No financial strength rating from AM Best
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.
Pros
Age 55+ homeowner discount
Coverage for homes more than 30 years old
Cons
No financial strength rating from AM Best
Doesn’t offer car insurance, so you can’t bundle with an auto 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.
Pros
Jacksonville-based insurance agents offer personalized service
Variety of available coverage options
Cons
Mixed customer reviews on Better Business Bureau (BBB) website
Higher premiums than some other insurers
Find Cheap Home Insurance in Jacksonville
Annual premiums start as low as $1,072
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Insurance Company
Average Annual Premium
Travelers
$1,072
Armed Forces Insurance
$1,723
Security First Insurance
$1,789
Florida Peninsula Insurance
$1,826
American Integrity Insurance
$1,868
People’s Trust
$1,883
Nationwide
$2,408
Bankers Insurance Group
$2,454
State Farm
$3,040
Allstate
$3,981
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.
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.
Deductible Amount
Average Annual Premium
$500
$3,055
$1,000
$3,036
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.
Shop for Home Insurance in Jacksonville, FL
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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.
City
Average Annual Premium
Fort Lauderdale
$13,213
Hialeah
$14,321
Hollywood
$12,450
Jacksonville
$3,036
Miami
$15,573
Orlando
$4,312
Port Saint Lucie
$10,033
Tampa
$4,756
The Villages
$3,166
West Palm Beach
$11,274
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.
Keep in Mind
Even if you don’t have a mortgage, home insurance can give you additional peace of mind and protect you and your family from hefty out-of-pocket expenses if your home is damaged.
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:
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.
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.
How much is home insurance in Jacksonville?
Home insurance in Jacksonville costs an average of $3,036 per year with a $1,000 deductible and $300,000 in dwelling coverage. That average rate increases slightly to $3,055 per year with a $500 deductible and $300,000 in dwelling coverage, according to Insurify data.
Which company has the cheapest homeowners insurance in Jacksonville?
Travelers has the cheapest homeowners insurance in Jacksonville, with an average annual premium of $1,072. 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.
Does Jacksonville require homeowners insurance?
No. Home insurance isn’t required by law, but your lender will require home insurance if you have a mortgage on your home.
Even if your home is paid 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.
What is the largest home insurer in Florida?
Universal Insurance is the largest home insurer in Florida, based on 2021 direct premiums written.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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