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32217 Homeowners Insurance Quotes & Rates

Jacksonville residents living within the 8,787 homes available in the zip code of 32217 are shopping online to compare cheaper and more affordable Jacksonville, FL home insurance rates. In the great city of Jacksonville, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Florida is around $1,619 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 32217 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 32217 home insurance rates today! Please give us a call now at 1-888-685-4704. For Jacksonville, FL Homeowners Insurance Quotes, Click to easily get started!

32217 Home Insurance Average Premiums

Local 32217 homeowners insurance quotes comparison

$1369 /yr.

Shows Zip Code: 32217 lowest rates with discounts applied on average.

For the 32217, 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)
$1369 /yr.
Average Coverage:$1619 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1919 /yr.

What is the average home insurance cost for a home in 32217?

  • • The average homeowners insurance premium paid annually for a home in 32217 is around $1619 per year.

What does it cost on average per month for home insurance in 32217?

  • • Homeowners in 32217 pay a monthly average cost per month around $135.00.

What kind of discount could I get if I combine my home and auto insurance together in 32217?

  • • Autoowners in 32217 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 32217.
Review average rates in another zip code:
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32227 homeowners insurance rates

Home Replacement Cost Coverage in 32217

Average Building Cost Per Square Foot in 32217: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32217: 1,440 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32217 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 32217 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 32217 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,440 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$1671,440$240,400
Additional Upgrades & Added Features$2091,440$300,500
Major Home Updates or Advancements$2511,440$360,600

It's important to understand that when you estimate your replacement cost of your home in the 32217 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 32217

Best Home & Auto Insurance Agencies in 32217

A Auto Insurance World

Address: 2221 University Blvd W Jacksonville, FL 32217
Phone:
Website:
Info:

Great Florida Insurance of Jacksonville

Address: 5230 Baymeadows Rd Jacksonville, FL 32217
Phone:
Website: http://www.jacksonville.greatflorida.com/
Info:

Epic Insurance Agency

Address: 6028 Chester Ave, Ste 101 Jacksonville, FL 32217
Phone:
Website: http://www.myepicins.com/
Info:

Scott, Kathy CLU - State Farm Insurance Auto Car Life 32217 32207

Address: 6018 San Jose Blvd Jacksonville, FL 32217
Phone:
Website: http://www.kathyscottinsurance.com/
Info:

Morrow, Tony - Allstate

Address: 1545 University Blvd W Jacksonville, FL 32217
Phone:
Website: http://www.allstateagencies.com/JAYMORROW/Welcome/
Info:

Housing Demographics for 32217

Population Review for 32217 Zip Code

For the city of Jacksonville, the population within 32217 has increased to over 21,362 residents in population size. The current population total is 20,543. We have broken down the population based on race below. In 32217, there are over 9833 in male population and 10710 females.

PopulationValues
Total Population20,543
White Population12700
Black Population3258
Hispanic Population3566
Asian Population770
Hawaiian Population14
Indian Population125
Other Population1610
Male Population9833
Female Population10710
Population Estimate21362

Household Data for 32217

The average number of homes in 32217 is around 8,787, there are an average of 2.31 per household. The average house value according to local real estate values is around $240,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,787
Persons Per Household2.31
Average House Value$240,400
Income Per Household$54036
Median Age40.6
Median Age Male37.9
Median Age Female43.3
32217 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 Businesses775
Number Of Employees7288
Business First Quarter Payroll66352
Business Annual Payroll306789
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 Residential9248
Delivery Business876
Delivery Total14387
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area5.376000
Water Area3.753000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU4963
MFDU2281
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

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    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

  • 2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025

    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • 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 […]

  • 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 […]