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2024

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Best Homeowners Insurance Agencies in Jacksonville, FL

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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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.

475Reviewed

292Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

701 Riverside Park Place Suite 202, Jacksonville, FL 32204

Expertise.com Rating

Review Sources

Google
5.0 (202)
Facebook
5.0 (68)
Yelp
5.0 (1)

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.

  • Renter's Insurance
  • Condos

822 A1A N Ste 310, Ponte Vedra, FL 32082
WebsiteLicense: L095578

Expertise.com Rating

Review Sources

Google
5.0 (323)
Facebook
4.8 (22)
Yelp
1.0 (1)

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.

  • Multiple Policy Types

1400 Prudential Dr Suite 2, Jacksonville, FL 32207
WebsiteLicense: L102095

Expertise.com Rating

Review Sources

Google
4.9 (111)

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.

  • Renter's Insurance
  • Condos

14985 Old St Augustine Road Ste 118, Jacksonville, FL 32258
WebsiteLicense: W532910

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (7)

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.

  • Multiple Policy Types

9943 Beach Blvd Suite 1, Jacksonville, FL 32240
WebsiteLicense: L066513

Expertise.com Rating

Review Sources

Facebook
4.3 (13)
Google
4.6 (10)
Yelp
5.0 (2)

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.

  • Homeowners

7999 Philips Hwy #209, Jacksonville, FL 32256
WebsiteLicense: L096655

Expertise.com Rating

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.

  • Renter's Insurance

2529 University Blvd West, Jacksonville, FL 32217
WebsiteLicense: 1000010096

Expertise.com Rating

Review Sources

Google
4.7 (31)
Facebook
5.0 (11)
Yelp
5.0 (2)

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.

  • Renter's Insurance

1245 CASSAT AVE, Jacksonville, FL 32205
WebsiteLicense: L062605

Expertise.com Rating

Review Sources

Google
4.1 (59)
Facebook
5.0 (11)

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.

  • Homeowners

10550 Old St. Augustine Rd. Ste 22, Jacksonville, FL 32257
WebsiteLicense: L112843

Expertise.com Rating

Review Sources

Google
5.0 (149)
Facebook
5.0 (9)

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.

  • Multiple Policy Types
  • Homeowners

4555 San Juan Ave, Jacksonville, FL 32210
WebsiteLicense: A006058

Expertise.com Rating

Review Sources

Google
4.4 (33)
Facebook
5.0 (16)
Yelp
5.0 (4)

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.

11893 New Kings Rd, Jacksonville, FL 32219
WebsiteLicense: L034121

Expertise.com Rating

Review Sources

Google
4.5 (11)

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.

  • Renter's Insurance
  • Homeowners

6015 Chester Circle #212, Jacksonville, FL 32217

Expertise.com Rating

Review Sources

Google
4.5 (16)
Yelp
3.5 (5)

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.

  • Renter's Insurance

3721 Dupont Station Ct S,, Jacksonville, FL 32217
WebsiteLicense: L102049

Expertise.com Rating

Review Sources

Google
5.0 (106)
Facebook
5.0 (69)
Yelp
4.5 (9)

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.

  • Multiple Carriers

7855 Argyle Forest Blvd Unit 502, Jacksonville, FL 32244
WebsiteLicense: L070892

Expertise.com Rating

Review Sources

Facebook
4.5 (34)
Google
5.0 (1)

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.

  • Multiple Policy Types
  • Homeowners

1645 San Marco Boulevard, Jacksonville, FL 32207

Expertise.com Rating

Review Sources

Google
4.4 (5)
Facebook
5.0 (4)

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.

  • Personal Property Insurance

2153 Blanding Blvd, Jacksonville, FL 32210

Expertise.com Rating

Review Sources

Google
4.8 (120)

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.

  • Homeowners

1617 Beach Blvd, Jacksonville, FL 32250
WebsiteLicense: L070772

Expertise.com Rating

Review Sources

Google
5.0 (81)
Yelp
5.0 (1)

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.

  • Renter's Insurance
  • Condos
  • Homeowners

12627 San Jose Blvd, Suite 604, Jacksonville, FL 32223
WebsiteLicense: L099529

Expertise.com Rating

Review Sources

Google
5.0 (269)
Facebook
5.0 (47)

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.

  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
925 Partners Insurance
701 Riverside Park Place Suite 202, Jacksonville, FL 32204
Locke Insurance Group
822 A1A N Ste 310, Ponte Vedra, FL 32082
Aleman Insurance Agency LLC
1400 Prudential Dr Suite 2, Jacksonville, FL 32207
The Jason Wells Agency
14985 Old St Augustine Road Ste 118, Jacksonville, FL 32258
New Jax City Insurance, Inc.
9943 Beach Blvd Suite 1, Jacksonville, FL 32240
Insurance Planet
7999 Philips Hwy #209, Jacksonville, FL 32256
Insurance Wagon
2529 University Blvd West, Jacksonville, FL 32217
Bob Brooks Insurance
1245 CASSAT AVE, Jacksonville, FL 32205
Brandi Mark
10550 Old St. Augustine Rd. Ste 22, Jacksonville, FL 32257
Cam Anderson
4555 San Juan Ave, Jacksonville, FL 32210
Mizell Insurance Agency​
11893 New Kings Rd, Jacksonville, FL 32219
Boca Bay Insurance Agency Inc.
6015 Chester Circle #212, Jacksonville, FL 32217
Ricci Insurance Group
3721 Dupont Station Ct S,, Jacksonville, FL 32217
Giella Insurance Agency
7855 Argyle Forest Blvd Unit 502, Jacksonville, FL 32244
James F Tullis Insurance
1645 San Marco Boulevard, Jacksonville, FL 32207
A&B Insurance Agency Inc.
2153 Blanding Blvd, Jacksonville, FL 32210
First Beaches Insurance
1617 Beach Blvd, Jacksonville, FL 32250
Bold City Insurance
12627 San Jose Blvd, Suite 604, Jacksonville, FL 32223

FAQs

  • 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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