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Best cheap home insurance in Jacksonville in 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in Jacksonville
Florida homeowners pay some of the highest costs in the nation for insurance coverage, largely because of the high number of claims caused by natural disasters, but also because of instability in Florida's home insurance market. If you’re a homeowner in Florida, you may be wondering if there is such a thing as cheap home insurance. While cheap is a relative term, we analyzed third-party data to find some of the more affordable home insurance companies writing policies in Jacksonville to help you start your search. Talking with an insurance agent may help you narrow down your search even more.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why Tower Hill made our list: Tower Hill Insurance Exchange is a subsidiary of the larger Tower Hill Prime, with the former only writing policies in the state of Florida. Tower Hill Insurance Exchange has an A (Exceptional) rating from Demotech, which signals a strong ability to pay out claims. Tower Hill also offers private flood insurance, which comes with higher limits than a National Flood Insurance Program (NFIP) policy. With the NFIP, dwelling limits are capped at $250K, while Tower Hill’s flood policies go up to $2.5 million.
Why Tower Hill may be best for endorsements: Tower Hill could be a good option for Jacksonville homeowners looking for more customizable coverage. Homeowners may be able to add endorsements (aka add-on coverages) like equipment breakdown, watercraft coverage and three different types of cyber protection.
| Bankrate Score | 3.4 |
| J.D. Power | |
| AM Best Rating |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why Florida Peninsula made our list: Florida Peninsula is a Boca Raton-based carrier that writes home insurance policies solely in the state of Florida. It has a below-average complaint index with the National Association of Insurance Commissioners for its home insurance product, indicating that customers are generally satisfied. The company also has an A (Exceptional) rating from Demotech.
Why Florida Peninsula may be best for working with a local company: Florida Peninsula’s digital tools may be lacking, but it has multiple office locations throughout Jacksonville for homeowners who prefer in-person service. Additional coverage types like identity theft protection, equipment breakdown, animal liability, sinkhole and flood insurance are also available for an extra cost.
| Bankrate Score | Not rated |
| J.D. Power | |
| AM Best Rating |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Why Security First made our list: Security First exclusively writes policies in the state of Florida and participates in the Citizens Depopulation program, an effort to get homeowners off of the strained Citizens plan and with a private provider. Security First has an A (Exceptional) rating from Demotech and secured $250 million in reinsurance in 2025 — two large green flags in terms of the company’s financial stability. However, auto policies are not available, which could deter homeowners looking to bundle their policies.
Why Security First may be the best for pre-packaged coverage options: Security First serves Florida homeowners with a breadth of coverage packages ranging from bare-bones dwelling-only coverage to an extensive HO-5 policy. Its Premier HO-5 policy package includes endorsements like equipment breakdown, food spoilage and lock replacement. Its HO-3 Signature policy tier can be customized with add-ons like dog liability, computer equipment and golf cart coverage.
| Bankrate Score | Not rated |
| J.D. Power | |
| AM Best Rating |
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in Jacksonville
Homeowners insurance in Jacksonville, FL, may not be as expensive as other Florida cities, but it can still strain your budget. To help ease the burden, Bankrate’s insurance editorial team combed through rate data from Quadrant Information Services and put together this list of the cheapest home insurance companies in the city for multiple dwelling coverage limits. If you're on a tight budget, you might also consider requesting quotes from some of the best home insurance providers in Florida.
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|
|
|
|---|---|---|
|
Security First
|
$91
|
$1,094
|
|
Florida Peninsula
|
$149
|
$1,789
|
|
American Integrity
|
$165
|
$1,977
|
|
$169
|
$2,033
|
|
|
|
|
|---|---|---|
|
Security First
|
$105
|
$1,264
|
|
Florida Peninsula
|
$173
|
$2,071
|
|
American Integrity
|
$193
|
$2,321
|
|
$195
|
$2,344
|
|
|
|
|
|---|---|---|
|
Security First
|
$126
|
$1,508
|
|
Florida Peninsula
|
$220
|
$2,634
|
|
$226
|
$2,715
|
|
|
American Integrity
|
$247
|
$2,960
|
|
|
|
|
|---|---|---|
|
Security First
|
$187
|
$2,242
|
|
$312
|
$3,738
|
|
|
Florida Peninsula
|
$365
|
$4,385
|
|
$398
|
$4,781
|
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in Jacksonville, Florida?
In Jacksonville, homeowners pay an average of $2,664 per year for $300,000 in dwelling coverage. To compare, the national average cost of home insurance is $2,408 per year for a policy with the same dwelling limit. The Florida average is $5,728. Keep in mind that these are just average figures to be used for comparison purposes. Your Jacksonville home insurance costs will depend on several factors specific to you and your home like your credit, home age and deductible selections.
Jacksonville rates by credit tier
Data show that, on average, homeowners with excellent credit pay 17 percent less than Jacksonville homeowners with poor credit. Although improving your credit won’t happen overnight, taking steps to boost credit can significantly affect your home insurance costs. The table below details carriers with the cheapest rates for $300,000 in dwelling coverage for various credit tiers.
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|
|
|---|---|---|---|---|
|
Security First
|
$1,094
|
$1,094
|
$1,094
|
$1,094
|
|
Florida Peninsula
|
$1,789
|
$1,789
|
$1,789
|
$1,789
|
|
American Integrity
|
$2,231
|
$2,012
|
$1,977
|
$1,913
|
|
$3,195
|
$2,127
|
$2,033
|
$1,827
|
|
|
$4,911
|
$2,475
|
$2,188
|
$1,722
|
Jacksonville rates by home age
Older homes usually have higher insurance costs than newer builds. Older homes, particularly ones with older roofs, may be more prone to claim-causing damage. Plus, an older home could also be built with materials that are harder to find nowadays. This could make a potential rebuild more expensive, and possibly lead to higher rates. You can compare the cheapest home insurance companies in Jacksonville for $300,000 in dwelling coverage and average insurance costs for different home ages in the table below.
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|---|---|---|---|---|---|
|
Security First
|
$1,634
|
$1,619
|
$1,748
|
$1,391
|
$1,013
|
|
Florida Peninsula
|
$2,516
|
$2,516
|
$2,447
|
$1,897
|
$1,699
|
|
American Integrity
|
$3,424
|
$3,467
|
$3,421
|
$2,196
|
$1,864
|
|
$2,835
|
$2,845
|
$2,828
|
$2,401
|
$1,897
|
|
|
$5,750
|
$5,384
|
$4,926
|
$2,645
|
$1,973
|
Jacksonville rates by deductible amount
Your home’s age is unchangeable, and raising your credit-based insurance score can take time. Raising your home insurance deductible can be a faster way to secure a cheaper home insurance rate. Your insurance deductible is the amount of money you are financially responsible for in the event of an approved claim. By shifting a greater part of the financial burden away from your insurance company, you will likely be rewarded with a lower premium. However, be cautious not to raise your deductible too high or to an amount you cannot reasonably afford.
|
|
|
|
|
|---|---|---|---|
|
Security First
|
$1,094
|
$1,038
|
$992
|
|
Florida Peninsula
|
$1,789
|
$1,574
|
$1,574
|
|
American Integrity
|
$1,940
|
$1,738
|
$1,683
|
|
$2,033
|
$1,937
|
$1,825
|
|
|
$2,122
|
$2,129
|
$2,021
|
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
