Best Homeowners Insurance in Jacksonville, FL

Chubb is the best home insurance company in Jacksonville for cheap coverage. Universal has the best discounts.

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Key Takeaways

  • Chubb has the cheapest home insurance rates in Jacksonville, with annual premiums averaging $1,301.
  • The average homeowner in Jacksonville pays $1,761 a year for coverage. That’s well below the average cost statewide, which is $2,418.
  • Jacksonville’s insurance rates are also cheaper than the nationwide average of $1,903 a year.

In this article

Average home insurance rates in Jacksonville

The average cost of home insurance in Jacksonville is $1,761 a year, which breaks down to $147 a month.

That compares favorably to the statewide average of $2,418, or $202 a month.

There are several variables — both about your home and your own insurance history — that affect what you pay for home insurance. This includes your home’s age, location and construction style. Your claim history and the cost it would take to rebuild your home in the event of a disaster also play a role.

Your home insurance deductible amount impacts your premium cost, too. A higher deductible will typically results in a lower premium, as shown by this chart of average rates citywide:

Deductible Annual premium
$500 $1,890
$1,000 $1,761
$1,500 $1,747
$2,000 $1,611
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Then, there’s dwelling coverage. The more dwelling coverage your home needs, the higher your premium is likely to be, as this chart shows:

Dwelling coverage amount Annual premium
$200,000 $1,418
$275,000 $1,761
$350,000 $2,149
$425,000 $2,584
$500,000 $3,044
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The key to getting your best rate for the coverage you need is to compare home insurance quotes from several companies.

Cheapest home insurance companies in Jacksonville

Chubb leads the city in terms of cheap home insurance rates. On average, the company charges $1,301 a year.

Tower Hill and Universal are the next-cheapest options, charging $1,470 and $1,659 a year, respectively.

Insurance company Annual premium
Chubb $1,301
Tower Hill $1,470
Universal $1,659
Progressive $1,773
Homeowners Choice $1,855
Heritage $1,936
State Farm $2,329
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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Jacksonville's best home insurance companies

Our analysis found that Chubb and Universal are the best home insurance companies in Jacksonville. Here’s why:

Best rates: Chubb

Chubb has the most affordable home insurance rates in Jacksonville, charging $1,301 per year, on average.

The company is also rated highly for its customer service. It scores the highest of all Jacksonville providers on the NAIC’s Complaint Index rankings.

Best discounts: Universal

In addition to offering the city’s third-cheapest rates, Universal has many discounts for customers. Potential savings include discounts for:

  • Bundling auto coverage
  • Installing burglar alarms
  • Installing fire alarms and sprinkler systems
  • Occupants over the age of 65
  • Having a clean claims history

Customer service ratings for Jacksonville home insurance companies

The companies with the best customer service are State Farm and Chubb. State Farm ranks highest on the J.D. Power index, while Chubb leads the way in terms of the NAIC Complaint Index.

J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.

Insurance company Overall satisfaction score
Progressive 801
Chubb 809
State Farm 829
Heritage Not included
Homeowners Choice Not included
Tower Hill Not included
Universal Not included
Source: J.D. Power 2022 U.S. Home Insurance Study

The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.

Insurance company Overall satisfaction score
Chubb 0.07
Homeowners Choice 3.89
Tower Hill 4.03
State Farm 5.43
Progressive 7.38
Heritage 7.63
Universal 11.09
Source: National Association of Insurance Commissioners (2022 data)

Home insurance risks in Jacksonville

In Florida, thunderstorms and floods are a constant risk to both residents and their homes.

Most homeowners insurance policies cover damage caused by these storms, such as wind and hail. But flood damage is usually not included in a standard homeowners policy.

If your home is in a high-risk area — or if it’s required by your mortgage lender — you can purchase flood insurance from many of the major insurance providers. Additionally, FEMA offers its own coverage through the National Flood Insurance Program.

Frequently asked questions

The average cost of homeowners insurance in Jacksonville is $1,761 a year, or $147 a month.

Chubb has the cheapest rates in Jacksonville, charging an average $1,301 a year. Tower Hill and Universal are other affordable options.

Florida does not legally require homeowners insurance. That said, most lenders do, so if you have a mortgage you’ll likely need to get it.


We collected quotes from every ZIP code in Jacksonville, Florida, for a standard HO-3 homeowners insurance policy using the following coverages:

  • $275,000 dwelling (unless otherwise noted)
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (unless otherwise noted)

Home insurance by city

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