But selecting the best home insurance company for you can be difficult. There are many home insurance companies that offer service in Jacksonville, Florida, but they can vary in terms of coverage, cost, quality of customer service, and more. The This Old House Reviews Team has evaluated the top home insurance companies in Jacksonville to help you find the best fit for you.
Jacksonville’s Top 4 Homeowners Insurance Companies
The highest-rated homeowners insurance companies in Jacksonville include: Jacksonville’s top home insurance companies provide comprehensive coverage, a wide selection of optional endorsements, high-quality customer service, and reasonable monthly rates. However, there are some key differences between the providers.
Compare the Best Home Insurance Companies in Jacksonville
See how the top home insurance companies in Jacksonville stack up on key metrics. *Cost may be calculated for homes of slightly varying values
Industry-Standard Coverage
The majority of home insurance companies offer six basic forms of coverage, including dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to guests. We have broken down the coverage below.
1. Allstate
Allstate is one of the largest home insurance companies in the US and has nearly 90 years of experience in the industry. The insurer stands out with its 24/7 customer service center and wide variety of customization opportunities. Unlike some of its competitors, Allstate’s 24/7 customer center is available to answer all insurance questions in addition to handling claims. That makes Allstate a good option for homeowners desiring to speak to customer service representatives in real time. Weigh the pros and cons of Allstate below.
Plans and Pricing of Allstate
We received an instant quote for a single-family, new construction, roughly 2,200-square-foot home in San Diego valued at approximately $520,000. The monthly premium came out to $127.90 per month.
Discounts
Allstate offers many discounts to help lower the cost of your monthly premium:
Multi-policy Early signing Claim-free Home alarm Roof Smoke-free Storm shutter Homebuyer Easy Pay Plan Age 55 and retired Welcome and loyalty
Allstate Endorsements
You can find a sample of Allstate’s endorsements below. Add-on coverages can vary depending on the state you live in. You can find out which ones are available in your area in your personalized quote.
2. Farmers
Trusted household name Farmers sets itself apart with several key features. Farmers will take $50 off of your deductible each year that your policy is active with its declining deductibles policy. With its claim forgiveness program, the company will also waive the surcharge if you go five or more years without filing a claim. Weigh the pros and cons of Farmers below.
Plans and Pricing of Farmers
We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in San Diego valued at approximately $520,000. The monthly premium came out to $130.
Discounts
Farmers offers a range of discounts:
Non-smoking Multi-policy Claim-free Protective devices New home Roofing materials
Farmers Endorsements
Farmers offers optional add-on coverage to help you round out your coverage.
3. Tower Hill Insurance Group
Tower Hill Insurance Group specializes in Florida home insurance, offering comprehensive coverage that includes pertinent weather protections like catastrophic ground cover collapse coverage. Its variety of endorsements and 4-star customer rating from the Better Business Bureau—very high for a home insurance company—make it one of our top choices.
Plans and Pricing of Tower Hill Insurance Group
We received a quote for a single-family, new construction, roughly 2,400-square-foot home in Point Orange, Florida, with an insured value of roughly $300,000. The monthly premium came out to $130.16.
Discounts
Tower Hill Insurance Group offers the following discounts to help lower your monthly premium:
Age of roof New home Protective devices Claims-free Multi-policy
Tower Hill Insurance Group Endorsements
The insurer offers a range of add-on coverage options.
4. American Traditions
Formerly known as Modern USA, American Traditions offers comprehensive home insurance coverage as well as some less common but valuable endorsements, like coverage for your silverware, goldware, and pewterware, as well as coverage for fungi damage. The company offers very affordable rates, which are easy to find via the online quote tool. You can get an estimate in under a minute. American Traditions is completely Florida-focused, only serving one state.
Plans and Pricing of American Traditions
A customer representative gave us the following quote for a single-family, roughly 2,200-square-foot home in Southport, Florida. The monthly premium came out to $101.83.
Discounts
American Traditions did not specify which discounts the company offers. You can ask your local agent for more information.
American Traditions Endorsements
American Traditions offers some rare endorsements.
Our Conclusion
Homeowners planning to purchase home insurance in Jacksonville should consider all of these top companies. Allstate has robust coverage, including its many endorsements, and a 24/7 customer service center that you can easily access. Farmers provides declining deductibles and claims forgiveness, making it an ideal option for homeowners who stick with the company and make it through an extended period of time without filing claims. Tower Hill Insurance Group has included coverage suited to Florida weather risks, and American Traditions offers a selection of uncommon endorsements. Our Methodology The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
Coverage (30) State availability (7.5) Customer service (15) Technology (12.5) Reputation (20) Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
Who has the best homeowners insurance in Florida?
We believe Allstate has the best overall homeowners insurance in Florida, with comprehensive coverage, many customization options, decades of experience, and a 24/7 customer service center.
What is the average cost of homeowners insurance in Florida?
According to Howmuch.net, the average cost of homeowners insurance in Florida is $3,439 annually.
Who sells homeowners insurance in Florida?
Florida has fewer options for homeowners insurance coverage than many other states due to its weather risks. Allstate, Farmers, Tower Hill Insurance Group, and American Traditions all service Florida.
How can I lower my homeowners insurance in Florida?
There are several ways you can try to lower your Florida homeowners insurance. You can shop around, install alarms to get a protective devices discount, bundle your policies, raise your deductible, and work on improving your credit score. To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
