Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Jacksonville

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Jacksonville Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

475

Reviewed

292

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
701 Riverside Park Place Suite 202, Jacksonville, FL 32204
  • Renter's Insurance
  • Condos

Why choose this provider?

925 Partners Insurance is an agency that serves the Jacksonville metro and the neighboring communities. Its team offers homeowners' insurance policies and works with clients to help them choose the right coverage for their needs. It also provides life, auto, commercial, and employee benefits insurance. The company works with more than 100 carriers, including Florida Peninsula, Nationwide, Travelers, and AmTrust Financial. Its CEO and co-founder, David C. Hodges, Jr., began his career in 1991 as a sales executive in the automotive industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (202)
Facebook
5.0 / 5 (68)
Yelp
5.0 / 5 (1)

Website
822 A1A N Ste 310, Ponte Vedra, FL 32082
  • Multiple Policy Types

Why choose this provider?

Locke Insurance Group is a locally owned independent agency delivering homeowners' insurance solutions to clients in Jacksonville and surrounding areas. It offers clients customized policies that address various needs, including structural damage compensation, personal property protection, and guest medical liability. Its catalog covers manufactured homes and condominiums, as well as renters' insurance. The agency also offers auto, life, and business insurance products. Locke Insurance Group works with over 20 insurance providers, including Allstate, National General, Progressive, and Safeco.

License Verified:

License: L095578

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (323)
Facebook
4.8 / 5 (22)
Yelp
1.0 / 5 (1)

Website
10550 Old St. Augustine Rd. Ste 22, Jacksonville, FL 32257
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Brandi Mark offers homeowners' insurance to residents in Jacksonville and nearby areas. She and her team focus on educating customers on the value of having insurance, making them understand their policies, and properly protecting themselves from losses and damages. Brandi started her career with State Farm over nine years ago when she was recruited by a local agent. She also assists with life, health, auto, and boat insurance services. What enticed her to the job was the opportunity to help more people and make a difference in their lives.

License Verified:

License: L112843

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (149)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4555 San Juan Ave, Jacksonville, FL 32210

Why choose this provider?

Cam Anderson is an insurance professional affiliated with State Farm. He caters to individuals, families, and businesses in the Jacksonville metro and the surrounding areas. He offers homeowners' insurance policies, which cover repairs and personal belongings like appliances, collectibles, clothing, electronics, and furniture. He also deals with condominium, auto, health, life, and workers' compensation insurance plans. Anderson holds the CPCU designation and is a member of the National Association of Insurance and Financial Advisors.

License Verified:

License: A006058

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (33)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (4)

Website
1245 CASSAT AVE, Jacksonville, FL 32205
  • Homeowners

Why choose this provider?

Located in Jacksonville, Bob Brooks Insurance is an independent agency that caters to clients around the metro. The company provides a wide variety of insurance products, such as home, business, auto, and recreational insurance options. Its homeowners' insurance aims to keep the clients' properties protected against unexpected occurrences like natural disasters, vandalism, or theft. It guides clients through the process of filing and settling claims as well as the cost of rebuilding homes. Bob Brooks Insurance has been in operation for more than 20 years.

License Verified:

License: L062605

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (59)
Facebook
5.0 / 5 (11)

Website
3721 Dupont Station Ct S,, Jacksonville, FL 32217
  • Multiple Carriers

Why choose this provider?

The Ricci Insurance Group serves clients within Jacksonville and its surrounding areas. Since 2014, it has been helping homeowners protect their belongings and valuables from damage or loss due to theft, vandalism, and hazards like fires through insurance coverage. It also provides products sourced from carriers like Safeco, Travelers, and Progressive for vehicle and business owners. The agency is led by founder Whitney Ricci, who has served on special advisory councils and launched a charity referral program in 2020 alongside her team.

License Verified:

License: L102049

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (106)
Facebook
5.0 / 5 (69)
Yelp
4.5 / 5 (9)

Website
11893 New Kings Rd, Jacksonville, FL 32219
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Mizell Insurance Agency​ has been serving residential and commercial clients in Jacksonville and the neighboring communities since 1989. This local company offers homeowners' insurance policies that cover the clients and their properties, including protection against disasters. The business customizes renters', vacant property, and mobile home insurance solutions. It also provides all-terrain vehicle, boat, landlord protection, recreational vehicle, and motorcycle insurance options. Commercial insurance packages, such as surety bonds, business owners' property, and workers' compensation are also available.

License Verified:

License: L034121

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (11)

Website
1645 San Marco Boulevard, Jacksonville, FL 32207
  • Personal Property Insurance

Why choose this provider?

James F. Tullis Insurance is an agency that serves clients in Jacksonville and the surrounding areas. It offers homeowners' insurance policies that cover the buildings and structures in properties, personal belongings like clothing and appliances, and personal legal liability. In addition, it provides automobile, commercial, group, and flood insurance. Laura Burr, the company's commercial lines account manager, has been working in the insurance industry for over 20 years. She writes commercial property and casualty insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.4 / 5 (5)
Facebook
5.0 / 5 (4)

Website
7855 Argyle Forest Blvd Unit 502, Jacksonville, FL 32244
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Giella Insurance Agency has offices in Jacksonville and Wesley Chapel, providing the insurance needs of both individuals and businesses. The company offers a variety of insurance products, including homeowners' insurance. Clients looking for homeowners' insurance can choose between a complete policy that covers damage from fire, smoke, hail, falling objects, vandalism, and theft, or a policy that solely covers specific losses. Giella Insurance Agency represents 25 various homeowners' insurance carriers and six different mobile home insurance companies.

License Verified:

License: L070892

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (34)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2529 University Blvd West, Jacksonville, FL 32217
  • Renter's Insurance

Why choose this provider?

Insurance Wagon is a team of independent agents based in Jacksonville. One of the products it offers is homeowners' insurance, which includes bodily injury and property damage liability protection along with repair costs coverage. Optional coverages for structures such as garages and pools and collectibles such as guns and jewelry may also be added. Insurance Wagon has access to policies from a broad range of providers, including Homeowners Choice and Mercury. The multi-line agency has been operating since 2008.

License Verified:

License: 1000010096

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (31)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (2)

Website
12627 San Jose Blvd, Suite 604, Jacksonville, FL 32223
  • Renter's Insurance
  • Condos

Why choose this provider?

Bold City Insurance helps homeowners in the Jacksonville metro protect their homes and everything in it, as well as keep their property covered from damages and accidents. It represents a network of insurance carriers to help clients obtain adequate homeowners insurance policies to cover them against financial loss in case of untoward accidents and incidents in a client's home. The independent agency has been in business since 2017 and also offers auto and life insurance policies.

License Verified:

License: L099529

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (269)
Facebook
5.0 / 5 (47)

Website
7999 Philips Hwy #209, Jacksonville, FL 32256
  • Renter's Insurance

Why choose this provider?

Insurance Planet is an independent, Jacksonville-based agency that serves residential and commercial customers. It offers homeowners' insurance products that can cover the clients' houses and attached structures. Some policies may even cover reasonable repairs, debris removal, fire department service charges, and catastrophic ground collapse. The agency also offers other insurance products, such as auto, health, life, and business. Insurance Planet is affiliated with several insurance carriers, allowing its clients to choose products from different companies.

License Verified:

License: L096655

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Website
1617 Beach Blvd, Jacksonville, FL 32250
  • Renter's Insurance
  • Condos
  • Homeowners

Why choose this provider?

First Beaches Insurance helps individuals in Jacksonville protect their families and properties. This independent insurance agency can conduct periodic insurance policy reviews to help clients determine the gaps in their coverage that need to be addressed. Its professionals can research coverage options from reputable carriers on the market, including Safeco and Progressive. In addition to providing homeowners' insurance, this business can also help policyholders obtain umbrella policies. First Beaches Insurance has supported local non-profit organizations such as the MaliVai Washington Youth Foundation.

License Verified:

License: L070772

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (81)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6015 Chester Circle #212, Jacksonville, FL 32217
  • Renter's Insurance

Why choose this provider?

Boca Bay Insurance Agency Inc., has been serving clients in Jacksonville and the rest of Florida since 1992. The agency offers home insurance policies that cover hurricane, flood, and wind damage. It also helps new residents and first-time homeowners in choosing a policy that addresses their unique needs. Insurance policies for mortgage protection, flood, and auto are also available. The agency works with carriers such as Argenia, TypTap Insurance, Universal Property, and Southern Oak Insurance Company.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (16)
Yelp
3.5 / 5 (5)

Website
9943 Beach Blvd Suite 1, Jacksonville, FL 32240
  • Homeowners

Why choose this provider?

New Jax City Insurance, Inc., is an independent agency that has been serving clients in Jacksonville for more than 20 years. It offers homeowners' insurance that provides financial protection for policyholders against disasters, theft, vandalism, and liability. It represents several insurance providers that include Gainsco, Progressive, and National General. Ricardo Boechat established the agency in 1995. Following his passing in 2009, his partner Leah McCrum renamed the agency to its current business name. The agency aims to provide personalized customer service and treat clients like family.

License Verified:

License: L066513

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.3 / 5 (13)
Google
4.6 / 5 (10)
Yelp
5.0 / 5 (2)

Website
1400 Prudential Dr Suite 2, Jacksonville, FL 32207
  • Renter's Insurance
  • Condos

Why choose this provider?

Aleman Insurance Agency LLC is an independently owned and operated firm serving Jacksonville and the neighboring communities. The company offers home insurance policies that cover the value of the dwelling itself and other structures around the property that are not used for business. It also covers personal belongings, expenses associated with additional living costs, and maintenance services like debris removal, reasonable repairs, and fire department charges. The agency represents carriers like American Integrity, Bristol West Insurance Group, and Monarch National.

License Verified:

License: L102095

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (111)

Website
2153 Blanding Blvd, Jacksonville, FL 32210
  • Homeowners

Why choose this provider?

A & B Insurance Agency Inc is an insurance brokerage in Jacksonville, Florida. The company works with over 50 insurance carriers to offer clients individualized rates and an appropriate amount of coverage. The agency specializes in home insurance, providing liability protection against injuries sustained by others on the client's property and recuperating repair costs when the home is damaged. Protection from vandalism and theft is included in most policies. A & B Insurance also handles auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (120)

Website
14985 Old St Augustine Road Ste 118, Jacksonville, FL 32258
  • Multiple Policy Types

Why choose this provider?

The Jason Wells Agency is an independent insurance company that serves individuals throughout the metro area of Jacksonville. It provides customized solutions to a variety of insurance products, including home, business, flood, motorcycle, and umbrella insurance. Its team represents more than 80 insurance carriers, such as Chubb Custom Insurance Company, Dixon Wells, and Gulfstream Property & Casualty Insurance. The agency owner, Jason Wells, gives back to the community by supporting the North Florida Chapter of the JDRF Diabetes Foundation.

License Verified:

License: W532910

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Why do Jacksonville residents typically face higher home insurance premiums than the U.S. average?

    Jacksonville residents often pay more for home insurance due to Florida's heightened susceptibility to intense natural events, such as hurricanes. Also, the state experiences a surge in home insurance-related legal cases. These challenges elevate expenses for insurers, prompting them to set steeper premium rates to compensate for the elevated risks and legal disputes in the area.

  • If a Jacksonville resident decides to lease their residence, is there a need to modify their standard homeowner's insurance?

    Yes. A Jacksonville homeowner should transition to dwelling property insurance when renting out their home. This adjustment is essential even for temporary leasing situations. Standard homeowner policies typically don't provide coverage for tenants. To safeguard their property and interests, it's crucial for homeowners in Jacksonville to reconsider their insurance choices when taking the rental path.

  • In Jacksonville, does a standard homeowners insurance policy cover both wind damage and flood damage caused by a storm or hurricane?

    Yes, standard homeowners policies in Jacksonville typically provide coverage for wind and hurricane damage, unless excluded for financial reasons. However, it's vital to understand that flood damage resulting from rising groundwater due to storm surges or storms is not included in ordinary plans. Jacksonville residents must obtain a separate flood insurance policy to ensure protection against flood-related losses.

  • What is the impact on your premium when you file a claim in Jacksonville, especially if it's a result of a natural disaster like a hurricane?

    In Jacksonville, filing a claim can lead to an increase in insurance premiums, but not always due to the claim's magnitude. Catastrophic claims, like those from hurricanes, tend to have a milder effect on rates compared to claims from theft or dog bites. Historically, first claims result in around a 9% premium rise, while a second sees a 20% jump. This uptick is driven by data indicating a heightened probability of subsequent claims within three years.

  • In Jacksonville, does a standard homeowner policy cover personal items carried on vacation or stored outside the insured residence?

    A standard homeowner policy in Jacksonville offers coverage equivalent to 10% of the limit for personal items (Coverage C) or a minimum of $1,000, whichever is higher. This coverage is valuable for travel and short-term scenarios. For belongings surpassing these limits or property kept away from the primary residence for extended durations, it's advisable to consider additional protection to ensure comprehensive coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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