How Much Does Homeowners Insurance Cost in Jacksonville, FL?
Jacksonville pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Jacksonville's logistics-finance-healthcare economy.See our methodology
Homeowners Insurance Pricing in Jacksonville, FL
Jacksonville offers near-average pricing for homeowners insurance, making it a reasonable market for this service. The local logistics-finance-healthcare economy supports a balanced labor pool, and the city's 950K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in homeowners insurance costs here. Hurricane risk affects insurance and roofing costs; high humidity creates persistent mold and moisture issues.
Market-specific factors matter in Jacksonville: sprawling metro area means travel charges vary by zone; military presence provides steady service demand.
Jacksonville has moderate permitting requirements. Depending on the scope of your homeowners insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Jacksonville vs National Average
What Affects Homeowners Insurance Cost in Jacksonville?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
Jacksonville Market Conditions
sprawling metro area means travel charges vary by zone; military presence provides steady service demand
Local Climate Impact
hurricane risk affects insurance and roofing costs; high humidity creates persistent mold and moisture issues
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Top-Rated Homeowners Insurance Pros in Jacksonville, FL
4 providersPatriot Roofing & Siding
⭐ PREMIUMServing Jacksonville and surrounding areas since 1998. Licensed, insured, and committed to quality workmanship at fair prices.
Heritage Plumbing
⭐ PREMIUMServing Jacksonville and surrounding areas since 2015. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Roofing & Siding
⭐ PREMIUMServing Jacksonville and surrounding areas since 2000. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Homeowners Insurance in Jacksonville
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Jacksonville Cost Trends (2020–2024)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $141 | — |
| 2021 | $147 | +4.3% |
| 2022 | $157 | +6.8% |
| 2023 | $161 | +2.5% |
| 2024 | $166 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Jacksonville
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Why does homeowners insurance cost different in Jacksonville than other cities?
Jacksonville's costs reflect local labor rates driven by the logistics-finance-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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