Jacksonville Homeowners Insurance: Get a Quote
Home insurance in Jacksonville
Protect your home with top-rated coverage that could save you money.
Save an average of $817/year when you bundle home + auto*
Home Only
Home + Auto
Here’s how bundling works
You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.
Start online, finish with an agent
You can finish your home quote online in just a few minutes. If you’d like to add auto for additional savings, a licensed agent can help with that afterward.
Enter your property address
Get a quote
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions, and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Protect your home from disasters big and small
The policies we offer can be customized to cover Jacksonville’s top risks.
What does homeowners insurance cover in Jacksonville?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage for the actual structure of your home, inside and out.
Other structures for things like your detached garage or shed.
Personal property for your personal belongings that make your house a home.
Loss of use for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability if you accidentally cause someone bodily injury or property damage.
Medical payments if a guest is injured on your property.
We also offer additional coverage options for water backup, fungi & mold, animal liability, identity fraud, and more.
Discounts available in Jacksonville
Kin customers pay an average of $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got Florida covered.
We help Floridians find coverage across the entire Sunshine State!
We sell policies in every county in Florida, including in these major cities:
- Cape Coral
- Fort Lauderdale
- Fort Myers
- Hialeah
- Miami
- Orlando
- Pembroke Pines
- Pensacola
- Port St. Lucie
- Sarasota
- St. Petersburg
- Tallahassee
- Tampa
Common questions about Florida home insurance
What’s the average cost of home insurance in Jacksonville?
On average, Kin customers pay $1,879 per year for $350,000 in dwelling coverage for home insurance in Florida. Jacksonville residents may pay more than the state average, especially those who live along the coast. Heavy rains, Atlantic hurricanes, tropical storm winds, and insurance fraud schemes generally contribute to higher-than-average premiums in Jacksonville.
However, home insurance premiums depend on a range of factors, so the best way to determine how much you'll pay for coverage is to get a quote.
What factors affect home insurance premiums in Jacksonville?
Insurance providers in Jacksonville take into account several local and property-specific elements when setting rates, including:
- Frequency of severe weather events such as windstorms and occasional coastal storms.
- Roof condition, roofing material, and wind/impact resilience.
- Age, structural condition, and construction quality of the dwelling.
- Crime rates in your ZIP code.
- Distance to emergency services, including fire stations and hydrants.
- Your credit-based insurance score.
- Local claims history, including prior losses associated with your home or neighborhood.
Is home insurance required in Jacksonville?
Home insurance is not a requirement in Jacksonville, though lenders typically require it when you take out a mortgage to protect their financial interest in the property. Your lender may also require flood insurance if your home is located in a designated flood zone.
Even if you aren't required to carry home insurance in Jacksonville, FL, consider maintaining a policy. It can help you cover the cost to repair or rebuild your property after a loss. Without coverage, you'll need to cover those expenses out of pocket.
What additional coverages should Jacksonville homeowners consider?
Given the risks of hurricanes, flooding, and aging home infrastructure in Jacksonville, homeowners should consider the following additional coverages:
- Flood insurance for flood and storm surge damage
- Water backup coverage for drain, sewer, or sump pump backups, which can be common in older homes or during heavy rains
- Ordinance or law coverage if you have an older home with outdated electrical, plumbing, or roofing, to pay for the extra cost of rebuilding to today’s building codes
- Extended replacement cost coverage to provide a cushion above your dwelling limit for inflation or sudden spikes in labor and materials
What does home insurance not cover in Jacksonville?
Home insurance in Jacksonville typically doesn’t cover:
- Earthquakes
- Sinkholes
- Animal or pest infestations
- Intentional damage
- Flooding and storm surges
- Maintenance and normal wear and tear
- Business activities
How much home insurance do I need in Jacksonville?
Though there's no one-size-fits-all approach to coverage, here are some factors to consider when determining how much home insurance you need in Jacksonville:
- Dwelling coverage should reflect the full replacement cost of your home (which usually differs from the market value), which may be higher due to rising construction costs in Jacksonville
- Personal property coverage should be enough to replace all belongings in case of a total loss.
- Loss of use coverage can cover the cost of temporary housing in case a covered claim renders your home uninhabitable
- Liability coverage limit that covers your assets and protects your finances against lawsuits from injuries or property damage on your premises
- Ordinance or law coverage helps cover the cost of rebuilding to current building codes, which can be a major factor in older neighborhoods and homes with aging systems