Cheapest Homeowners Insurance In Jacksonville, NC (2024)

Jacksonville, North Carolina, has often seen severe weather including hurricanes and tornadoes. Such severe weather will cause a great deal of damage to cities, including the homes – which is why homeowners in Jacksonville should consider insuring their homes. Not only is weather a threat, the residents of Jacksonville are also at risk of having crimes committed against their property, such as vandalism.

On average, homeowners in Jacksonville could see annual insurance costs of over $6,000. This is a significant jump when you learn that the annual state average for home insurance in $1,500. So, it doesn’t really come as a surprise to discover that homeowners in Jacksonville are on the lookout for the cheapest home insurance policies, along with some good coverage.

This is why we’ve taken the liberty to help out the residents of Jacksonville, and compiled a list of the best, and cheapest insurance rates available. After an in-depth analysis, we found that the company with the most competitive rates, offering the best policies in Jacksonville, is State Farm – at an annual cost of $2,807.

Although State Farm are the best insurer overall, a person’s individual circ*mstances may mean that a different insurer is more suitable for them. During our research, we found that Universal North America offer the best rates for newly constructed homes, whereas Allstate is more appropriate for homeowners in need of additional coverage for their personal property.

Additionally, we found that USAA offers a fantastic policy for military members and their families. The best customer support can be found with North Carolina Farm Bureau, whereas Heritage offers the best policies for homeowners with a poor credit score.

To find out which insurer offers the cheapest home insurance in Jacksonville, our team carried out a comprehensive deep dive into the numerous findings obtained from multiple review websites, with some findings including rates from public filings taken by Quadrant Information Services. For the purpose of this review, we’ve taken an average from these rates, however, it’s important to recognize that the rates of each company can differ, and their rates will change depending on your situation.

My own subjective opinion also played a subjective role in this review, which is based on my experiences working as a licensed insurance agent, along with over three decades of purchasing it.

Cheapest Overall Rates In Jacksonville

Cheapest Overall For Newly Constructed Homes

Cheapest Overall Rates In Jacksonville

Cheapest Rates For Military Families

Cheapest Homeowners Insurance For Customer Service

Cheapest Rates For People With Poor Credit

How To Decide On The Best Provider For You

To determine the most affordable insurance in Jacksonville, we suggest that you take the time to research your options. There are many providers who offer affordable policies with good coverage, and we chose six of the best in Jacksonville. Consider the following when reviewing your options.

Consider your property: When applying for a policy, you will be required to provide quite specific information on your home. This will include information such as the age of the home in question, building materials, and the age of the roof. Have these details readily available when applying, so that you can provide the insurer with accurate information.

Consider insurers: Make sure to choose wisely when purchasing insurance, as it important to make sure that the provider can meet your requirements. You should start by looking at the websites of your chosen providers. If you’d much rather take care of insurance business online, find a company whose site allows you to perform tasks such as paying your premium, and filing claims. If you would rather an in-person conversation, choose an insurer with local Agents in Jacksonville.

Gather quotes: We suggest you receive quotes from a few insure so that you can make a more informed decision. You can get quotes either online or via an agent, depending on the company. Make sure that each of your requests are identical so that you can compare their rates accurately.

Choose the company that best suits your requirements: Every individual’s situation is unique, meaning some providers will be better suited to your needs. There are insurers who offer good discounts, and others that may offer a better customer service experience. Do your own analysis and compare quotes to help you decide which provider is best for you.

Largest Home Insurance Companies In North Carolina

Average Cost Of Home Insurance In Jacksonville, NC

In comparison to the average rates in North Carolina, and the whole of the United States, Jacksonville does indeed have high premiums. Fortunately, all major providers, including other much smaller providers, can be found in North Carolina. Here are the average annual costs for five of the major providers in Jacksonville.

Average Cost Of Home Insurance By ZIP Code (Coastal North Carolina)

Average Cost Of Home Insurance In North Carolina By Coverage Amounts

Average Cost Of Home Insurance In North Carolina By Deductible Amount

How To Get An Online Home Insurance Quote In Jacksonville

Received a quote online for a home insurance policy in Jacksonville can be done in the following four steps:

Step One: Figure out how much coverage is needed. Walk throughout your home and take a detailed inventory. Recording a video of your personal belongings has also proven to be helpful in the event of having to file a claim.

Step Two: Choose three companies to get quotes from. You can contact three providers and request a quote, either by asking an agent, or by using an online tool.

Step Three: Make sure you’re receiving an apples-to-apples quote from each of the insurance companies contacted. The coverage limits and deductible should be the same for you to make a fair decision.

Step Four: Decide which insurer you think will be best suited to your needs, and then begin an application.

Factors That Impact The Cost Of Your Home Insurance Policy In Jacksonville

Home insurance providers consider different factors when determining how much of a risk they believe you to be. If an insurer believes you to be high risk, you will find that your premiums will be much higher. We’ve listed the various factors that can influence your rates.

Location. Home insurance providers will investigate things as specific as your ZIP code. This means that if you live in an area of Jacksonville where there is a high number of claims submitted, the insurance company will charge you more.

Coverage amount. The value of your home and the contents inside, including how much they are insured for, will increase your rates.

Credit history. Home insurance providers in the state of North Carolina can look at your credit score to determine your rates. Providers will charge a higher rate for bad credit as, statistically, a person with a bad credit history tends to mean they are more likely to file a claim.

Claims history. If you’ve submitted a claim in the past, providers have found that there is a higher chance that you will file a claim again.

Your home’s age. Home insurance companies consider the age of your home, as the older it is, the higher the chance that the materials used will lead to electrical or plumbing problems. This can ultimately result in potential water or fire hazards, which means a larger claim.

Deductible. The higher your deductible, the lower the rates. When applying for an insurance policy, make sure that you opt for a deductible affordable to you.

For Jacksonville residents, there is always the risk of a tropical storm hitting, causing damage to their homes. It’s because of this that rates in Jacksonville are some of the highest in North Carolina.

North Carolina Home Insurance Laws To Know

Buying home insurance is not mandatory in North Carolina, but it may be a requirement for people with a mortgage, or anyone belonging to a Homeowners Association (HOA).

In The News

ABC affiliate, WTVD, reported in Raleigh that North Carolina homeowners are constantly seeing their insurance rates rise. This is partly down to lumber costs rising by 21% over the last year, along with roof costs being 22% higher. A 2023 report predicted a 9% increase in home insurance rates for this year.

Information About Jacksonville

Jacksonville is home to MarineCorps Base Camp Lejeune and Marine Corps Air Station New River. Also known as ‘Tree City’, an honor granted to the city by national Arbor Day Association for planting trees and creating green space for its residents and tourists alike. Within the past few years, Jacksonville’s sports events and festivals have grown, bringing in tourists from around the world.

Things to do in Jacksonville include, Lejeune Memorial Gardens, The Kettle Diner, and Walton’s Distillery.

Home Insurance Discounts In Jacksonville

Jacksonville’s home insurance rates may be high, however, there are multiple discounts available for homeowners to take advantage of. Consider these when discussing your options with your local agent, as they may save you money.

Your house could have features that make them eligible for a discount. These include:

New or renovated home discount. If your house has recently been constructed or renovated, then it could be eligible for a discount as they are less likely to fail.

Disaster preparedness discount. An area like Jacksonville is prone to storms. A discount may be offered to you if you are living here and are taking preventative measures to reduce risk of damage should a storm hit. These include implementing storm shutters, reinforcing doors, and adding shatterproof glass.

Safety and security discounts. Discounts may be offered to homeowners who apply smoke detectors, fire alarms, burglar alarms, water shut-off devices, fire extinguishers, and deadbolts on exterior doors.

Proximity to a fire hydrant or fire department. Your provider may offer a discount if you live close-by to fire-damage control resources, such as a fire hydrant.

Roof age discount. Roof repair costs are significant loss-leaders for home insurance companies. USAA offer discounts based on the age of your roof.

Military discounts. If you are actively in the military, retired from the military, or the spouse or child of a military member, you may be eligible for a discount.

Employment, organization, and association discounts. Home insurance companies may offer a discount for people working with certain industries, such as educators. You may also qualify if you are a union, organization, or professional association member.

Seniors or retirees. Some home insurance companies will offer a price break if you’re retired or over the age of 55 and working part-time. To be eligible for a discount, the home in question must be your primary residence, you must be over the age of 55, and work outside of your home for less than 24 hours a week.

Bundling discount. You may receive a discount for having several policies with the same home insurance provider.

You can also save money on your home insurance by increasing your deductible and keeping a good credit score.