According to the latest Census Bureau data, 56% of Jacksonville residents live in their homes. Many homeowners in the area are concerned about taxes and home insurance. Although you can’t control the cost of your property taxes you might be able find ways to reduce your home insurance. Jacksonville home insurance costs $1014 per annum for $250,000 of dwelling coverage. Bankrate’s affordable home insurance in Jacksonville revealed three carriers that had lower rates than the average with annual rates ranging from $645 to $901.
The best home insurance Jacksonville
Bankrate compared quotes from top insurance companies to find Jacksonville’s cheapest homeowners insurance. We narrowed down the list to just a few carriers by selecting the insurance companies with the lowest rates and highest customer ratings from J.D. The best insurance coverage options and a Power home insurance study.
Progressive
You will need quotes from multiple carriers to find the best home insurance rates. Progressive can help you make this process easier by providing Homequote Explorer tools that return quotes from multiple carriers for you to compare with Progressive’s. Jacksonville’s most affordable insurance company places technology first. Progressive’s mobile app allows you to manage all aspects of your home insurance, including filing and tracking claims, managing your coverage, and paying your bills.
Travelers
Jacksonville homeowners also have the option of Travelers Insurance, which is a cheap alternative to Progressive. Travelers offers a variety of special coverages that can be customized to your home insurance, which is a big advantage over Progressive. Water backup coverage is a great way to save money on costly repairs in the event of a sewer overflow. If you are interested in purchasing Travelers insurance for your car, inquire about Travelers discounts like new homeowner, protective device, or multi policy.
All over the country
Nationwide is the best choice for first-time homebuyers and buyers of older homes. Nationwide offers a discount to new policyholders who have purchased a house in the past 12 months. Nationwide offers a discount to buyers who are moving into a newly built or renovated house. Nationwide believes that new wiring and home construction are safer than older homes and less likely will cause a fire.
Allstate
Allstate offers a unique option called HostAdvantage if you intend to rent a room in your house to offset your expenses. Allstate’s specialized coverage can protect your assets whether you rent a room for a long-term or through a website like Airbnb or VRBO. Allstate also offers HostAdvantage business property insurance for remote workers and home-based businesses. This coverage covers inventory, work equipment, office supplies, and computers kept at your home.
State Farm
State Farm is our last cheap home insurance company. Your quote might be lower even though the premium is almost twice that of the cheapest carrier. The State Farm website is easy to use and navigate. To estimate the cost of your home insurance premiums, you can get a quote for home insurance in just minutes. State Farm offers discounts on bundling home and car insurance, as well as protection devices like smoke detectors or security systems. You could save a lot of money.
Jacksonville home insurance considerations
Jacksonville is susceptible to flooding, hurricanes, tropical storms, tornadoes, and tornadoes even though home insurance isn’t legally required. Standard home policies include windstorm insurance. Flood coverage is not. It may be worth looking at the following optional coverages.
- Flood insurance: If your insurance company does not offer flood insurance for homeowners, the National Flood Insurance Program is an option. It provides affordable flood insurance to homeowners.
- An HO-3 does not cover home-based businesses or commercial activities. If your computer or other equipment is stolen, damaged, or lost at work, business coverage will provide financial protection.
- Personal articles floater – Naming expensive items separately on your policy will ensure that you get reimbursement for their full value in the event they are stolen, lost, damaged, or damaged.
Jacksonville home insurance discounts
Ask your insurance provider for information about any discounts that may be available to you. This could help you save money on your premiums. There are many discounts that insurance companies offer. These discounts are some of the most popular:
- Multi-policy: If you purchase car and home insurance from one company, you may get a discount on your premiums.
- Your claims history: If your home insurance claim has not been filed in the last few years, your insurance company might lower your premiums.
- Prepay your premiums six months or one year in advance to receive a discount. You will not miss a payment or risk your home insurance expiring.
Questions frequently asked
Which is the best company for home insurance?
We found that there are many home insurance companies in Jacksonville. Although Progressive and Travelers appear to offer the most affordable home insurance in Jacksonville, FL (and other areas), your personal rating factors and the company’s discounts and ratings will determine which one is right for you.
What is the cost of Jacksonville home insurance?
Jacksonville home insurance costs an average $1,014 annually for $250,000 of dwelling coverage. You may be able beat this average by shopping around for the lowest quote.
