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Home Insurance in Duval County, FL: Companies & Premiums

Home Insurance in Duval County, FL: Companies & Premiums

Home Insurance in Duval County, FL: Companies & Premiums
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Duval County is the third most northern county along Florida’s Atlantic coastline, and according to the US Census Bureau, the population of Duval County is 957,755 as of 2019. Although much of the county is considered urban and suburban, it also features two nationally protected areas, the Fort Caroline National Memorial and the Timucuan Ecological and Historic Preserve.

Living in Duval

The median value for Duval County owner-occupied homes is $166,900 and the county’s median home value is $43,573. These figures put Duval County’s residents below both Florida and the overall United States in terms of wealth, which is likely contributed to by the variety of types of properties and employment that urban residents in the county have.

The county is home to Jacksonville, the most populated city in Florida, and the associated metropolitan area. Jacksonville alone had over 900,000 residents in 2018, which represents almost 95 percent of the county’s population. The overall metropolitan area has over 1.5 million residents, which are spread out across the seven northeastern-most counties in the state.

Home Insurance Premiums in Duval County

In Duval County, the average premiums for home insurance policies range between homes pre-2001 homes with and without wind mitigation, as well as for homes that are new construction. As you can see in the table below, having protective features built into your home can help you save money on home insurance each year.

Average Homeowners Premiums in Duval County

Construction TypeHome ValueAverage Premium
Overall Average$1,531.57
Pre-2001 (No Wind Mitigation)$150,000$1,659.22
Pre-2001 (With Wind Mitigation)$150,000$1,113.00
New Construction$300,000$1,822.48

The overall average premium for home insurance in the county is $1,531, according to the data provided by Florida’s Office of Insurance Regulation. To save even more money on your home insurance premium, you’ll need to gather several quotes to compare the insurance companies that operate locally. In Duval County, the companies offering the most affordable home insurance policies offer average premiums that can be almost 50 percent cheaper than the county average. 

Don’t assume that the first quote or two you receive that are within your budget are the best offers that you’ll receive. It’s important to check out different options because every insurance company has its own methods for calculating your quote. So make sure to thoroughly assess the policies available to you and get help from an insurance agent if needed.

For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,659.

A list of cheaper options:

  • Stillwater – $1,113
  • Florida Peninsula – $1,125
  • Citizens – $1,176
  • First Protective – $1,198

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Duval County

Company NameAnnual Premium
Florida Peninsula$1,125
First Protective$1,198
Southern Fidelity$1,234
First Community$1,320
St. Johns$1,402
Tower Hill Prime$1,493
Florida Family$1,536
Tower Hill Preferred$1,664
Tower Hill Select$1,674
American Traditions$1,708
American Integrity$1,741
Tower Hill Signature$1,755
People's Trust$1,782
Castle Key$1,827
Liberty Mutual$1,830
Security First$1,841
Florida Farm$1,900
Family Security$1,929
State Farm Florida$2,042
Auto Club Florida$2,319
Southern Oak$2,897

For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,113.

A list of cheaper options:

  • Citizens – $700
  • Stillwater – $732
  • Universal – $750
  • St. Johns – $786

List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Duval County

Company NameAnnual Premium
St. Johns$786
Florida Farm$801
First Protective$812
Florida Peninsula$885
Southern Fidelity$975
Tower Hill Prime$990
First Community$1,002
Tower Hill Select$1,066
People's Trust$1,092
Florida Family$1,120
American Traditions$1,165
Tower Hill Signature$1,171
Tower Hill Preferred$1,194
American Integrity$1,200
Southern Oak$1,387
Liberty Mutual$1,408
Castle Key$1,487
Family Security$1,502
Auto Club Florida$1,511
Security First$1,568
State Farm Florida$1,622

For $300,000 homes with new construction, the average premium is $1,822.

A list of cheaper options:

  • Stillwater – $948
  • St. Johns – $1,263
  • Universal – $1,381
  • Florida Peninsula – $1,414

List of Companies & Rates for Home Valued at $300,000, New Construction in Duval County

Company NameAnnual Premium
St. Johns$1,263
Florida Peninsula$1,414
First Protective$1,428
Florida Farm$1,501
Southern Oak$1,541
First Community$1,585
American Traditions$1,648
Tower Hill Select$1,683
People's Trust$1,735
American Integrity$1,785
Tower Hill Prime$1,868
Southern Fidelity$1,895
Florida Family$1,946
Tower Hill Preferred$2,079
Castle Key$2,122
Tower Hill Signature$2,141
Family Security$2,221
Auto Club Florida$2,228
Security First$2,294
State Farm Florida$2,773
Liberty Mutual$2,834

Flood Insurance in Duval

With Duval County’s location along the Atlantic Coast, homes in the area are highly vulnerable to damage from tropical storms during hurricane season each year. This means that Duval County homeowners should be concerned with protecting their homes from flooding damage that can occur.

The best way to protect your home is through purchasing a separate flood insurance policy, as standard FL homeowners insurance won’t cover the damage. You can purchase an affordable policy from the government’s federal National Flood Insurance Program (NFIP) through locally operating companies like First Protective. However, if your home is worth more than $250,000, you need an additional policy as that is the max value of the NFIP coverage.

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