Get multiple home insurance quotes in 32277. Our licensed 32277, FL agents are ready to serve you.

Home Insurance Rates in 32277

For homeowners shopping online in 32277, our insurance rates are very competitive for homeowners living in Jacksonville, FL. Many homeowners based out of the great city of Jacksonville have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 32277, simply click the "Get Multiple Quotes Now" button. Your 32277 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Jacksonville, FL Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

32277 Home Insurance Rating is: Very High!

If you live in 32277, you can easily save up to 40% off the average home insurance premium of $1604 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Jacksonville can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 32277 today!

Get Multiple Home Insurance Rates in 32277!

32277 Home Insurance Average Premiums

Local 32277 homeowners insurance quotes comparison

$1354 /yr.

Shows Zip Code: 32277 lowest rates with discounts applied on average.

For the 32277, 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)
$1354 /yr.
Average Coverage:$1604 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1904 /yr.

What is the average home insurance cost for a home in 32277?

  • • The average homeowners insurance premium paid annually for a home in 32277 is around $1604 per year.

What does it cost on average per month for home insurance in 32277?

  • • Homeowners in 32277 pay a monthly average cost per month around $134.00.

What kind of discount could I get if I combine my home and auto insurance together in 32277?

  • • Autoowners in 32277 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 32277.
Review average rates in another zip code:
32216 homeowners insurance rates
32254 homeowners insurance rates
32220 homeowners insurance rates
32228 homeowners insurance rates
32223 homeowners insurance rates
32210 homeowners insurance rates
32211 homeowners insurance rates
32204 homeowners insurance rates
32257 homeowners insurance rates
32244 homeowners insurance rates

Home Replacement Cost Coverage in 32277

Average Building Cost Per Square Foot in 32277: $167

Location: Jacksonville, Florida (Duval County)

Average Square Footage in 32277: 1,126 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32277 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 32277 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 32277 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,126 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$1671,126$188,000
Additional Upgrades & Added Features$2091,126$235,000
Major Home Updates or Advancements$2511,126$282,000

It's important to understand that when you estimate your replacement cost of your home in the 32277 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 32277

Best Home & Auto Insurance Agencies in 32277

Dawson, Hamp - First Network Insurance

Address: 6035 Fort Caroline Rd, #20 Jacksonville, FL 32277
Phone:
Website: http://www.progressive.com/
Info:

St Clair, Homer - State Farm Insurance Auto Car Life 32277 32225

Address: 7305 Merrill Rd Jacksonville, FL 32277
Phone:
Website: http://www.homerstclair.com/
Info:

ACE Cash Express

Address: 6030 Merrill Rd Jacksonville, FL 32277
Phone:
Website: http://www.acecashexpress.com/
Info:

Bob Thompson Ins Agency Inc - State Farm Insurance Agent

Address: 8011 Merrill Rd, #19 Jacksonville, FL 32277
Phone:
Website:
Info:

State Farm Insurance - Jacksonville Fl

Address: 5495 Fort Caroline Rd Jacksonville, FL 32277
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/59/6171
Info:

Housing Demographics for 32277

Population Review for 32277 Zip Code

For the city of Jacksonville, the population within 32277 has increased to over 32,340 residents in population size. The current population total is 33,174. We have broken down the population based on race below. In 32277, there are over 15649 in male population and 17525 females.

PopulationValues
Total Population33,174
White Population14101
Black Population12490
Hispanic Population4624
Asian Population1126
Hawaiian Population30
Indian Population132
Other Population1744
Male Population15649
Female Population17525
Population Estimate32340

Household Data for 32277

The average number of homes in 32277 is around 12,556, there are an average of 2.50 per household. The average house value according to local real estate values is around $188,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,556
Persons Per Household2.50
Average House Value$188,000
Income Per Household$51545
Median Age34.7
Median Age Male33.7
Median Age Female35.5
32277 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 Businesses359
Number Of Employees2270
Business First Quarter Payroll16096
Business Annual Payroll72742
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 District04|05
Congressional LandArea1875.97|1355.03
Delivery Residential12936
Delivery Business294
Delivery Total13532
Preferred Last Line KeyY22126
Classification Code
Multi-County
CSA NameJacksonville-Kingsland-Palatka, FL-GA
CBSA_DIV_Name
City State KeyY22126
Land Area7.159000
Water Area3.566000
City Alias Code
City Mixed CaseJacksonville
City Alias Mixed CaseJacksonville
Box Count0
SFDU6440
MFDU1060
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

  • $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 […]

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]