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Home insurance policies play a major role in protecting your finances. When unfortunate, unexpected incidents like fires, theft, or vandalism occur, your home insurance company will help cover the costs of repairs and replacements. Your policy will also help cover the costs of replacing your damaged items, living away from your home, and more.
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:
- Allstate: Best Overall
- Farmers: Most Customizable Coverage
- Tower Hill Insurance Group
- American Traditions
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.
Comparison
| Provider | Visit Site | Score | Monthly Cost* | Years in Business | States Covered | BBB Rating |
|---|---|---|---|---|---|---|
| Allstate | Allstate.com | 98.10 | $127.90 (San Diego) | 89 | 50 | A+ |
| Farmers | Farmers.com | 94.40 | $130 (San Diego) | 92 | 50 | A+ |
| Tower Hill Insurance Group | Thig.com | 86.50 | $130.16 | 48 | 1 | A+ |
| American Traditions | Jergermga.com | 78 | $101.83 | 74 | 1 | A+ |
| Provider | Visit Site | Score | Monthly Cost* | Years in Business | States Covered | BBB Rating |
*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.
Industry-Standard Coverage
| Type | Description |
|---|---|
| Dwelling + other structures | Covers the cost of repairing or replacing your home’s interior and exterior structure, along with any detached structures like garages and sheds |
| Personal property | Covers the cost of replacing personal damaged or stolen possessions, including clothing, furniture, appliances, and electronics |
| Personal liability | Covers the cost of attorney fees, court fees, and damages resulting from someone being injured on your property |
| Loss of use/additional living expenses | Covers the cost of living expenses like dining, gas, and accommodations if your home is temporarily uninhabitable due to a covered loss |
| Medical payments to guests | Covers the cost of medical expenses if someone is injured in your home |
| Type | Description |
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.
Pros and Cons of Allstate
| Pros | Cons |
|---|---|
| Wide range of endorsement options | Average customer satisfaction ratings |
| Second-largest homeowners insurance provider in the U.S. | |
| 24/7 customer service for all insurance questions | |
| Pros | Cons |
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.
Plans
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $524,481 |
| Other structures | $52,449 |
| Personal property | $393,361 |
| Loss of use | $104,897 |
| Liability | $300,000 per occurrence |
| Medical payments to others | $5,000 |
| Deductible | $1,000 |
| Monthly Cost | $127.90 |
| Type of Coverage | Amount of Coverage |
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.
Endorsements
| Type | Description |
|---|---|
| Personal umbrella policy | Increases the limits of your personal liability coverage and adds coverage for lost wages and legal fees |
| Earthquake | Covers the cost of repairs or replacement of your home after an earthquake |
| Flood | Covers the cost of repair or replacement of your home in the event of a flood (required for homeowners in certain locations) |
| Water backup | Covers the cost of water damage caused by sump pump failure or clogged drains |
| Scheduled personal property | Covers the cost of valuable personal belongings, including jewelry, antiques, furs, and more |
| Business property | Covers the cost of replacing computers and other home office equipment or equipment from a small business run out of your home |
| Sports equipment | Covers the cost of replacing golf clubs, skis, bicycles, and other sports equipment |
| Identity theft protection | Covers the cost of legal fees and others costs associated with identity theft or fraud |
| Green improvement reimbursement | Increases your coverage to upgrade appliances with more energy-efficient options after a loss |
| Electronic data recovery | Covers the cost of recovering lost computer data |
| Yard and garden | Covers the cost of replacing trees and landscaping or adds coverage for lawn equipment |
| Musical instruments | Covers the cost of replacing valuable musical instruments |
| Type | Description |
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.
Pros and Cons of Farmers
| Pros | Cons |
|---|---|
| Declining deductibles | Fewer endorsements than competitors |
| Claim forgiveness | Website not highly detailed |
| Cosmetic damage coverage | |
| Pros | Cons |
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.
Plans
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $522,000 |
| Other structures | $52,200 |
| Personal property | $287,100 |
| Loss of use | $104,000 |
| Liability | $300,000 |
| Medical payments to others | $1,000 |
| Deductible | $1,000 |
| Monthly Cost | $130 |
| Type of Coverage | Amount of Coverage |
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.
Endorsements
| Type | Description |
|---|---|
| Eco-rebuild | Provides extra coverage to rebuild your home with energy-efficient materials after a covered loss |
| Personal articles floater | Provides extra coverage for your valuables like collectibles, art, and jewelry |
| Identity Shield | Provides coverage when your identity is stolen, up to your policy limit |
| Contents replacement cost | Provides the full replacement cost of stolen or damaged property (without factoring in depreciation) |
| Type | Description |
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.
Pros and Cons of Tower Hill Insurance Group
| Pros | Cons |
|---|---|
| 24/7 customer portal | Only available in Florida |
| Nearly 50 years of experience | Few discounts |
| A+ BBB rating | |
| Pros | Cons |
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.
Plans
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $300,000 |
| Other structures | $6,000 |
| Personal property | $150,000 |
| Loss of use/additional living expenses | $60,000 |
| Personal liability | $300,000 |
| Medical payments to others | $5,000 |
| Monthly Cost | $130.16 |
| Type of Coverage | Amount of Coverage |
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.
Endorsements
| Type | Description |
|---|---|
| Perishables | Covers the cost of replacing groceries due to refrigeration issues |
| Credit card, forgery, and counterfeit money | Covers the costs associated with recovering from fraud |
| Lock replacement | Covers the cost of replacing your locks |
| Water backup and sump pump overflow | Covers the cost of repairing damages caused by water backup |
| Identity fraud | Covers the cost of restoring your identity |
| Loss of use due to power shortage | Covers temporary living costs if your home is uninhabitable due to continued power shortage |
| Type | Description |
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.
Pros and Cons of American Traditions
| Pros | Cons |
|---|---|
| Online quote tool | Only available in Florida |
| Unique endorsement options | Customer service hard to reach over the phone |
| Low rates | |
| Pros | Cons |
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.
Plans
| Type of Coverage | Amount of Coverage |
|---|---|
| Dwelling | $370,000 |
| Other structures | $7,400 |
| Personal property | $185,000 |
| Loss of use/Additional living expenses | $37,000 |
| Liability | $100,000 |
| Medical payments to others | $1,000 |
| Monthly Cost | $101.83 |
| Type of Coverage | Amount of Coverage |
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.
Endorsements
| Type | Description |
|---|---|
| Jewelry, watches, and furs | Covers the cost of valuable items, including jewelry, watches, and furs |
| Silverware, goldware, and pewterware | Covers the cost of various metal wares |
| Limited fungi coverage | Covers the cost of damage caused by fungi |
| Inflation guard | Compensates for any inflation in the cost of replacing or repairing your damaged items |
| Type | Description |
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.
Frequently Asked Questions
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.