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Home Insurance in 32205
Our rates are very competitive for homeowners living in the 32205 zip code. Many homeowners based out of Jacksonville, FL have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our FL licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 32205 should appear in the zip code field ready to go.
32205 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Jacksonville area? The average homeowners premium in 32205 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 32205, you can expect to pay around $1647 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 32205
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Florida. Start your 32205 home insurance shopping today!
32205 Home Insurance Average Premiums
$1397 /yr.
Shows Zip Code: 32205 lowest rates with discounts applied on average.
For the 32205, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1397 /yr. |
| Average Coverage: | $1647 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1947 /yr. |
What is the average home insurance cost for a home in 32205?
- • The average homeowners insurance premium paid annually for a home in 32205 is around $1647 per year.
What does it cost on average per month for home insurance in 32205?
- • Homeowners in 32205 pay a monthly average cost per month around $137.00.
What kind of discount could I get if I combine my home and auto insurance together in 32205?
- • Autoowners in 32205 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Jacksonville area, check out other zip codes nearby 32205.
Review average rates in another zip code:
32210 homeowners insurance rates
32204 homeowners insurance rates
32218 homeowners insurance rates
32228 homeowners insurance rates
32277 homeowners insurance rates
32257 homeowners insurance rates
32219 homeowners insurance rates
32227 homeowners insurance rates
32246 homeowners insurance rates
32208 homeowners insurance rates
Home Replacement Cost Coverage in 32205
Average Building Cost Per Square Foot in 32205: $167
Location: Jacksonville, Florida (Duval County)Average Square Footage in 32205: 1,220 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 32205 before you start any project. Jacksonville homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32205 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 32205 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,220 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Jacksonville area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $167 | 1,220 | $203,700 |
| Additional Upgrades & Added Features | $209 | 1,220 | $254,625 |
| Major Home Updates or Advancements | $251 | 1,220 | $305,550 |
It's important to understand that when you estimate your replacement cost of your home in the 32205 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 32205
Allstate
Address: 5732 Normandy Blvd Suite 4 Jacksonville, FL 32205Phone: (904)771-7322
Website:
Best Home & Auto Insurance Agencies in 32205
Armstrong & Bosh Insurance Agency
Address: 5454 Normandy Blvd Jacksonville, FL 32205Phone:
Website:
Info:
Allstate
Address: 5732 Normandy Blvd, #4 Jacksonville, FL 32205Phone:
Website:
Info:
Allstate Insurance - Ralph G. Hill
Address: 1400 Cassat Ave, #2 Jacksonville, FL 32205Phone:
Website:
Info:
Bell Agency
Address: 5242 Normandy Blvd Jacksonville, FL 32205Phone:
Website:
Info:
ACE Cash Express
Address: 929 McDuff Ave S Jacksonville, FL 32205Phone:
Website: http://www.acecashexpress.com/
Info:
Housing Demographics for 32205
Population Review for 32205 Zip Code
For the city of Jacksonville, the population within 32205 has increased to over 31,924 residents in population size. The current population total is 29,605. We have broken down the population based on race below. In 32205, there are over 14192 in male population and 15413 females.
| Population | Values |
|---|---|
| Total Population | 29,605 |
| White Population | 18496 |
| Black Population | 7061 |
| Hispanic Population | 2385 |
| Asian Population | 674 |
| Hawaiian Population | 33 |
| Indian Population | 111 |
| Other Population | 824 |
| Male Population | 14192 |
| Female Population | 15413 |
| Population Estimate | 31924 |
Household Data for 32205
The average number of homes in 32205 is around 13,765, there are an average of 2.14 per household. The average house value according to local real estate values is around $203,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 13,765 |
| Persons Per Household | 2.14 |
| Average House Value | $203,700 |
| Income Per Household | $53488 |
| Median Age | 36.9 |
| Median Age Male | 36.7 |
| Median Age Female | 37.1 |
| 32205 Details | Values |
|---|---|
| State | FL |
| State Full Name | Florida |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 904 |
| City | Jacksonville |
| City Alias Name | JACKSONVILLE |
| County | Duval |
| County FIPS | 031 |
| State FIPS | 12 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 3600 |
| PMSA | |
| CSA | 300 |
| CBSA | 27260 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Jacksonville, FL |
| MSA_Name | Jacksonville, FL MSA |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 864 |
| Number Of Employees | 10801 |
| Business First Quarter Payroll | 101755 |
| Business Annual Payroll | 437632 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 1345596 |
| CBSA Division Population | 0 |
| Congressional District | 04 |
| Congressional LandArea | 1875.97 |
| Delivery Residential | 14918 |
| Delivery Business | 1051 |
| Delivery Total | 16110 |
| Preferred Last Line Key | Y22126 |
| Classification Code | |
| Multi-County | |
| CSA Name | Jacksonville-Kingsland-Palatka, FL-GA |
| CBSA_DIV_Name | |
| City State Key | Y22126 |
| Land Area | 7.738000 |
| Water Area | 1.740000 |
| City Alias Code | |
| City Mixed Case | Jacksonville |
| City Alias Mixed Case | Jacksonville |
| Box Count | 0 |
| SFDU | 11502 |
| MFDU | 1742 |
| State ANSI | 12 |
| County ANSI | 031 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 114380 |
| Unique ZIP Name | |
| SSA State County Code | 10150 |
| Medicare CBSA Code | 27260 |
| Medicare CBSA Name | Jacksonville, FL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 15 |
| County Mixed Case | Duval |
Florida Homeowners Insurance News & Information
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Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024
As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]
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Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024
Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]
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Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]