Jacksonville Homeowners Insurance

What Your Jacksonville Home Insurance Policy Needs

Gated community houses with palms, South Florida

With more than 1.3 million people living within its metropolitan area, Jacksonville is the largest city in Florida and the 12th most populated city in the United States. Jacksonville, FL includes more than 500 distinct neighborhoods, which makes it easy to find a home suitable to your family’s lifestyle in the area. With much in the way of shopping, entertainment, dining and cultural venues, there are a number of reasons why so many choose to put down roots here. If you are among the many homeowners in this lively city, you will want to be sure to protect your investment with a suitable Jacksonville home insurance policy.

Comparing rates from competing insurance companies can help you get your home coverage at a great price. Independent insurance agents in the Trusted Choice® network make comparison shopping easy by doing the rate inquiry legwork for you. These agents are able to obtain customized Jacksonville home insurance quotes from a selection of highly rated providers so that you can find an affordable policy that meets your coverage and budgetary needs. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the US

On average, homeowners in Florida pay more for their home insurance coverage than most people across the nation. While the figures above can give you a rough idea of what your costs for coverage might be, the only way to get your actual rates is to contact insurance companies and request them.

The companies you contact will take a number of factors into consideration when they calculate the price of your Jacksonville home insurance. Your rates can be influenced by several factors, including:

  • The ZIP code where your house is located
  • The age of your house and the building materials used in its construction
  • The value of your house and the estimated cost to rebuild it
  • The amount of property coverage you need
  • The type of residence you are insuring: primary residence, second home or vacation home
  • The amount of your deductible
  • Your claims history

In order to find the best price for your coverage, it is recommended that you compare at least three Jacksonville homeowners insurance quotes before making a selection.

Second Home and Vacation Home Insurance

If you own a second home or a vacation home, the insurance needs for these extra properties are a bit different from the needs for your primary residence. This is particularly true if your property sits unoccupied for long periods or if you rent it out to tenants. Be sure to discuss your coverage needs with your Trusted Choice agent, who can help you find suitable policies for these types of additional houses. Your agent may even be able to save you money on all of your home policies by bundling them with the same insurance provider.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Burglary rates in the state of Florida are lower than the national average, but the rate in Jacksonville is rather high. In 2013, a total of 7,096 burglaries were reported in this city. That is about 8.36 burglaries for every 1,000 households –well over the national rate of 6.11. This may be due, in part, to the high number of tourists and transients in the area.

You can reduce your risk of loss due to burglary by taking proactive steps such as installing a burglar alarm system and motion detection lighting. Doing so may even qualify you for discounts on your Jacksonville homeowners insurance. If you are the victim of a burglary, you may gain some peace of mind knowing that your Jacksonville home insurance company provides compensation for your losses. Your Trusted Choice agent can help you ensure that you have the right contents coverage in place to protect all of your valuables.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • Amount of property damage in Florida: $210,240,000
  • 1 in 15 insured homes has a claim each year

Your Jacksonville home insurance policy provides you with compensation if your house or personal property is lost or damaged due to a number of different causes. These can be severe weather events, accidental catastrophes such as fires, or property crimes like burglary and vandalism. Some policies, however, may require you to purchase special endorsements against certain catastrophes if you want coverage. A local Trusted Choice agent will know the risks that you face as a homeowner in Jacksonville and will be able to help you find policies that properly mitigate your exposures.

What Are the Risks in Jacksonville, FL?

Some hazards that residents of Jacksonville should be sure to protect against include hurricanes, tornadoes and floods.

Hurricanes are a well-known threat along the Eastern Seaboard. Strong wind can damage roofs and siding; heavy rain can cause flooding; and toppled trees and flying debris can damage homes and peripheral property. Tornado activity in Jacksonville is lower than the state and national average, but the risk still exists. In 1996, an F2 twister touched down 3.6 miles from the Jacksonville city center, causing approximately $3 million in property damage.

Storms and tornadoes are probably included in the coverage offered by your home insurance plan, but you may need to purchase special endorsements or even a supplemental policy in order to have hurricane insurance. Your local Trusted Choice agent will understand the risks faced by homeowners where you live and can help you be sure that the policy you choose provides adequate protection.

Be aware, however, that flood damage is specifically excluded from nearly all home insurance policies. As this is a very real threat in this area, your Trusted Choice agent can help you supplement your Jacksonville homeowners insurance policy with flood insurance through the National Flood Insurance Program (NFIP).

Compare Jacksonville Home Insurance Quotes

The only way to know you are getting your Jacksonville home insurance coverage at a competitive rate is by requesting and reviewing costs and offerings from a selection of reputable insurers. Unfortunately, consumers often find comparison shopping to be time-consuming and frustrating and skip this important step. That is why savvy homeowners in Jacksonville turn to agents in the Trusted Choice network for help.

Independent agents are free to contact a variety of competing insurance companies. These agents can make rate inquiries on your behalf and then provide you with a selection of customized Jacksonville homeowners insurance quotes that you can review and compare. Find a Trusted Choice agent with an office in or near Jacksonville to get started.

Now, who's ready to get their insurance problems solved?