Best Homeowners Insurance In Jacksonville, FL For November, 2024

Nationwide secures the top spot overall due to its exceptional A+ (Superior) rating from AM Best, high customer satisfaction ratings across various platforms, strong agent presence in South Florida, and competitive rates. It proves to be a reliable choice all around.

What distinguishes Nationwide is its comprehensive standard home insurance policy, offering unique coverages not commonly found with other carriers. These include reimbursement for credit card fraud and ordinance or law coverage for rebuilding under stricter codes.

To cater to your specific needs, Nationwide offers customizable add-ons. Better Roof Replacement covers upgraded roofing materials following a qualified event, while Brand New Belongings provides replacement cost coverage for damaged or destroyed personal belongings. Submit your receipts for reimbursement of the cost difference.

Purchasing home insurance is made convenient with Nationwide, offering options such as local agents, phone, or online. Filing claims, paying bills, and making policy changes are all easily managed through the user-friendly Nationwide website or app.

Nationwide’s average cost for home insurance in Jacksonville: $209/month

Progressive impressed us with the second-highest JD Power customer satisfaction score among all the companies we reviewed, excluding USAA. Although USAA did not receive the Best for Customer Satisfaction award due to its exclusive availability to military members and their families.

When it comes to Progressive home insurance policies, they provide the standard coverage types that are commonly found in homeowners insurance policies:

Dwelling coverage ensures that your home is protected by paying for repairs or replacements in the event of damage caused by covered incidents like a fire or tornado.

Other structures coverage takes care of the expenses associated with repairing or replacing structures that are not directly attached to your home, such as a fence or shed.

Personal property coverage ensures that your belongings, such as clothes, electronics, and furniture, are protected by providing the necessary funds to repair or replace them in the event of damage or loss.

Liability insurance is an important coverage that protects you from financial loss in case someone is injured or their property is damaged while on your property. It covers both property damage and bodily injury, as well as legal defense costs if you are sued.

Additional living expenses coverage is designed to provide support when circumstances prevent you from residing in your home due to a covered incident, such as a tornado. It covers essential expenses like hotel bills, meals, and even pet boarding fees, ensuring that you have the necessary resources to maintain a comfortable living situation while your home is temporarily uninhabitable.

Based on Progressive’s filings with the Florida Department of Insurance, it should be noted that certain dog breeds may be considered ineligible for homeowners’ coverage. These breeds include Akitas, American bulldogs, chow chows, Dobermans, Mastiffs, pit bulls, Rottweilers, Staffordshire terriers, wolf hybrids, as well as any mix or variation of these breeds. Additionally, dogs with a history of biting may also be excluded from coverage.

Average premium for Progressive home insurance in Jacksonville: $219/month

Citizens Property Insurance Corporation fulfills a vital role in Florida’s property insurance landscape by extending coverage to individuals who, although entitled to obtain insurance through the private market, face difficulties in doing so.

As one of the leading insurers for Florida homes and businesses, Citizens is dedicated to delivering service that matches the standards set by private insurers.

Established in August 2002 by the Florida Legislature, Citizens operates as a not-for-profit, tax-exempt government entity. Its primary objective is to provide property insurance to eligible property owners in Florida who are unable to secure coverage from the private market.

While policyholder premiums form the foundation of Citizens’ funding, Florida law mandates that assessments be imposed on most policyholders in the event of a shortfall resulting from a severe storm or a series of destructive storms.

Average premium for Citizen’s home insurance in Jacksonville: $180/month

USAA came in a close second for the Best Overall category, primarily due to its exclusivity to military members and their families. However, it remains a highly reliable choice overall.

Founded in 1922 by 25 Army officers with the aim of self-insuring their vehicles, USAA now offers a wide range of insurance and financial products to members of the U.S. armed forces, Reserves, veterans, and their families. Headquartered in San Antonio, USAA operates satellite offices in various locations, including London, Frankfurt, and Luxembourg.

USAA’s standard home insurance policy provides coverage for personal belongings with replacement cost included. It also offers specific coverage for uniforms of active-duty and deployed service members. Optional insurance options, such as earthquake and home-sharing coverages, may be available as well.

Eligible members can conveniently purchase USAA insurance products online using their active membership ID, over the phone, or by visiting a local branch. The USAA website features an automated agent chatbot for easy access to online accounts, allowing policyholders to handle tasks like bill payments, policy changes, and claims management.

USAA holds an impressive A++ rating from AM Best, which signifies the highest level of financial strength for insurance companies. This further reinforces USAA’s reliability and stability in serving its esteemed members.

Average premium for USAA home insurance in Jacksonville: $140/month

State Farm was our second runner-up due to its extensive agent presence in Jacksonville and South Florida, which is crucial for prompt and efficient assistance during severe weather events. State Farm offers standard homeowners insurance and policyholders can customize their coverage with additional options, such as identity theft protection, insurance for valuables like jewelry, and ordinance and law.

State Farm has the highest possible financial strength rating from AM Best, an A++.

Policyholders can opt for optional replacement cost coverage for their home, personal property, and other structures. This endorsement replaces damaged items at their current market value, regardless of depreciation. Without this option, replacement is calculated on an actual cash value basis.

Starting a quote with State Farm is possible online, but a local agent must assist with policy purchase. Policyholders can utilize the State Farm website or app for claim filing, account management, and enrollment in paperless billing. The site also offers a comprehensive resource library for insurance education.

Average premium for State Farm home insurance in Jacksonville: $144/month

Tower Hill emerged as the most cost-effective choice for home insurance in Florida. However, it’s important to note that the company lacks a JD Power score for customer satisfaction and holds a B++ rating from AM Best. These factors can be attributed to Tower Hill Insurance’s specialization as a Florida homeowners insurance company, operating in only 16 additional states.

Tower Hill provides homeowners with the flexibility to customize their insurance plans. Alongside essential coverage options like dwelling and personal property, their Typical and Prime Plus policies offer endorsements such as extended replacement cost, water backup coverage, and personal injury coverage.

What sets Tower Hill apart are their unique add-on coverage options, which may be challenging to find with other carriers. These include landscaping coverage, food spoilage, trampoline liability, lock replacement, and more.

Moreover, Tower Hill’s highest-tier Spire package incorporates numerous optional coverages directly into the policy, further enhancing its comprehensive nature.

Average Premium for Tower Hill home insurance in Jacksonville: $121/month

Chubb presents an exceptional choice for homeowners seeking to protect high-value assets, thanks to their array of valuable extras. However, it’s worth noting that budget-conscious homeowners in Jacksonville might find their rates slightly above average.

When it comes to insuring a high-value home, Chubb offers a range of policy add-ons tailored to meet your unique needs. Notably, extended replacement cost coverage stands out, providing vital support in rebuilding your home after a covered accident.

One notable perk offered by Chubb is their risk consulting program, wherein a Chubb consultant can assess potential fire or security concerns within your home before any accidents occur, providing you with added peace of mind.

The Chubb Masterpiece insurance policy covers various aspects that hold importance for affluent clientele, including the restoration of electronic data destroyed by a computer virus and property management services.

In their commitment to ensuring a seamless claims experience, Chubb claims agents hold the authority to promptly process and pay claims. It’s important to mention that claim denial requires the approval of a manager, as Chubb aims to make the claims filing process as painless as possible for policyholders

Average premium for Chubb home insurance in Jacksonville: $317/month

Allstate stands out with an impressive range of 11 homeowners insurance discounts, including seven that are considered uncommon offerings by industry analysts. This exceeds the industry average of seven discounts and demonstrates Allstate’s commitment to providing customers with exceptional savings opportunities. Allstate’s discounts include:

• Claims forgiveness: additional coverage which keeps your rate from increasing after you file a claim
• Claims-free: customers can get 5% back on renewal as long as they remain claims-free every year
• Deductible reward: $100 off deductible upon signing up
• Bundle: up to 25% for bundling home and car insurance
• Automatic payment: saves up to 5%
• Loyalty: up to 10% for renewing with Allstate
• New Homebuyer: discount for recent homebuyers
• New home: discount for insuring a newly constructed home
• Responsible payment: additional discount for having a good payment history
• Early payment: up to 10% for buying a new policy at least seven days before your old policy expires
• Protective device: discount for installing theft and fire protection

Allstate’s homeowners insurance not only includes essential coverages like dwelling and personal property protection, liability coverage, and guest medical protection but also offers an array of optional coverages to cater to individual needs.

With nine optional coverage types available, Allstate goes beyond the norm. Alongside commonly offered options such as ID theft and scheduled personal property coverage, Allstate stands out by providing specialized coverage for homeowners with yards and gardens. This unique offering increases coverage limits for landscaping costs and even includes protection for riding lawn mowers.