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32216 Home Insurance Quotes & Rates

Currently, the 18,234 homes within the 32216 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Florida is around $1,640 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Jacksonville, FL, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 32216.

Florida is now ranking #1 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Jacksonville home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Florida has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 32216 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Jacksonville, Florida home insurance rates today!

Please give us a call now at 1-888-685-4704, easily get up to 12 rates over the phone in minutes. For Jacksonville, FL Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

32216 Home Insurance Average Premiums

Local 32216 homeowners insurance quotes comparison

$1390 /yr.

Shows Zip Code: 32216 lowest rates with discounts applied on average.

For the 32216, 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)
$1390 /yr.
Average Coverage:$1640 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1940 /yr.

What is the average home insurance cost for a home in 32216?

  • • The average homeowners insurance premium paid annually for a home in 32216 is around $1640 per year.

What does it cost on average per month for home insurance in 32216?

  • • Homeowners in 32216 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 32216?

  • • Autoowners in 32216 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 32216.
Review average rates in another zip code:
32244 homeowners insurance rates
32257 homeowners insurance rates
32227 homeowners insurance rates
32221 homeowners insurance rates
32258 homeowners insurance rates
32224 homeowners insurance rates
32208 homeowners insurance rates
32228 homeowners insurance rates
32206 homeowners insurance rates
32205 homeowners insurance rates

Home Replacement Cost Coverage in 32216

Average Building Cost Per Square Foot in 32216: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32216: 1,151 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32216 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 32216 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 32216 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,151 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,151$192,200
Additional Upgrades & Added Features$2091,151$240,250
Major Home Updates or Advancements$2511,151$288,300

It's important to understand that when you estimate your replacement cost of your home in the 32216 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 32216

Best Home & Auto Insurance Agencies in 32216

Mitchelson, Theo - State Farm Seguros De Auto Carro Vida 32216 32246

Address: 1822 University Blvd S Jacksonville, FL 32216
Phone:
Website: http://www.theomitchelson.com/
Info:

Hancock-Perdue Insurance

Address: 4131 Southside Blvd Jacksonville, FL 32216
Phone:
Website: http://www.hancockperdue.com/
Info:

Mitchell, Todd - A Abacus Mr Auto Insurance

Address: 4368 University Blvd S Jacksonville, FL 32216
Phone:
Website:
Info:

A Budget Insurance Services

Address: 4345 University Blvd S Jacksonville, FL 32216
Phone:
Website:
Info:

Allstate Insurance - Barney Stewart- IV

Address: 4131 Southside Blvd, #109 Jacksonville, FL 32216
Phone:
Website:
Info:

Housing Demographics for 32216

Population Review for 32216 Zip Code

For the city of Jacksonville, the population within 32216 has increased to over 44,107 residents in population size. The current population total is 42,847. We have broken down the population based on race below. In 32216, there are over 20844 in male population and 22003 females.

PopulationValues
Total Population42,847
White Population22340
Black Population8228
Hispanic Population7958
Asian Population3771
Hawaiian Population41
Indian Population177
Other Population3660
Male Population20844
Female Population22003
Population Estimate44107

Household Data for 32216

The average number of homes in 32216 is around 18,234, there are an average of 2.30 per household. The average house value according to local real estate values is around $192,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode18,234
Persons Per Household2.30
Average House Value$192,200
Income Per Household$54739
Median Age36.2
Median Age Male35.1
Median Age Female37.6
32216 DetailsValues
StateFL
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code904
CityJacksonville
City Alias NameJACKSONVILLE
CountyDuval
County FIPS031
State FIPS12
Time Zone5
Day Light SavingY
MSA3600
PMSA
CSA300
CBSA27260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJacksonville, FL
MSA_NameJacksonville, FL MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1942
Number Of Employees42109
Business First Quarter Payroll554327
Business Annual Payroll2113266
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1345596
CBSA Division Population0
Congressional District05
Congressional LandArea1355.03
Delivery Residential19177
Delivery Business2234
Delivery Total20824
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area12.675000
Water Area0.441000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU7497
MFDU7202
State ANSI12
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number114380
Unique ZIP Name
SSA State County Code10150
Medicare CBSA Code27260
Medicare CBSA NameJacksonville, FL
Medicare CBSA TypeMetro
Market Rating Area ID15
County Mixed CaseDuval

Florida Homeowners Insurance News & Information

  • 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 […]

  • $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 […]

  • 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 […]

  • 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 […]

  • 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 […]

  • 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 […]

  • Florida Lawmakers May Allow Takeout Offers to Citizens’ Policyholders Posted on Wednesday 13th March, 2024

    Lawmakers in Florida are moving closer to allowing specific insurer types to make offers to policyholders currently with Citizen’s Property to insure their vacation or second home.  SB 1716 this week cleared the Senate’s Fiscal Policy Committee for the takeout offers after the Senate’s Banking and Insurance Committee approved the measure earlier this month.  This […]