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.

To get free quotes from multiple providers in your area, call 855-948-5219 or enter your zip code in the tool below:

Jacksonville’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in Jacksonville include:

  1. Allstate: Best Overall
  2. Farmers: Most Customizable Coverage
  3. Tower Hill Insurance Group
  4. 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
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+

*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
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

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
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

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
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

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
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

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
Pros Cons
Declining deductibles Fewer endorsements than competitors
Claim forgiveness Website not highly detailed
Cosmetic damage coverage

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
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

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
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)

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
Pros Cons
24/7 customer portal Only available in Florida
Nearly 50 years of experience Few discounts
A+ BBB rating

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
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

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
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

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
Pros Cons
Online quote tool Only available in Florida
Unique endorsement options Customer service hard to reach over the phone
Low rates

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
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

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
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

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.

Before you purchase a homeowners insurance policy in Jacksonville, we recommend getting a free quote from all four providers to compare coverage and pricing. Get multiple quotes by calling 855-948-5219 or by entering your zip code in the tool below:

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.

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.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.



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PAUL WALKER

PAUL WALKER

Lonely traveler, l like to explore with my camera and my laptop every part of the earth.