Homeowners Insurance Jacksonville FL

Compare Rates from 30+ Florida Insurance Companies

Sunshine, Storms, and the Right Coverage — Wherever You Live in Florida

Owning a home in Florida means blue skies and beach days — but it also means navigating one of the toughest homeowners insurance markets in the country. From hurricane risks to rising rebuild costs, it's easy to feel unsure about your coverage.

If you're wondering, “Do I have the right homeowners insurance?” — you're not alone.

That’s where we come in.

At Augustyniak Insurance, we help homeowners across Jacksonville, St. Augustine, Orange Park — and all over Florida — find the right protection at the right price. We compare quotes from more than 30 top-rated insurance companies and explain your options in plain language, so you can feel confident in your coverage.

Whether you're a first-time buyer or just ready to shop smarter, we’ll help you get the best homeowners insurance in Florida — with personal service from a local, trusted team.

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What’s Actually Covered in a Florida Homeowners Policy?

Most policies in Florida are “HO-3” or “Special Form” — meaning they bundle the following six core protections into one policy:

Coverage A – Dwelling

Pays to rebuild your home if it’s damaged by a covered event (like wind or fire).

• Based on replacement cost, not market or tax value
• Your agent helps estimate the right rebuild amount in today’s market

Coverage B – Other Structures

Covers detached garages, fences, sheds, and gazebos (usually 2%–10% of your dwelling limit).

Coverage C – Personal Property

This coverage protects what’s inside your home: furniture, electronics, clothing, and more.

• Typically 50% of the dwelling limit, but it can be lowered or raised depending on what you own
• Replacement cost coverage is highly recommended

💡 Tip: Schedule jewelry, watches, art, antiques, or collectibles separately to ensure full coverage.

Coverage D – Loss of Use

If you can't live in your home due to a covered loss, this pays for temporary housing and living expenses.

Coverage E – Liability

Helps protect your assets if someone is injured on your property or if you accidentally damage someone else’s property.

✅ We recommend at least $300,000 — or consider an umbrella policy for additional protection.

Coverage F – Medical Payments

Pays small medical bills for guests injured on your property, regardless of fault.

💰 How Much Does Homeowners Insurance Cost in Jacksonville?

The cost of homeowners insurance in Jacksonville can vary widely depending on your home and the coverage you choose. Things like your home’s age, construction type, roof condition, and proximity to the coast all affect your rate. The good news? Many Florida homeowners qualify for discounts — especially if your roof is newer or your home includes wind mitigation features like a hip roof, newer roof, hurricane shutters or impact glass. At Augustyniak Insurance, we shop rates from over 30 top insurers to help you get the best protection at the best value.

Here are some of the main factors that affect your homeowners rate in florida:

• 🏠 Age, size, and construction of your home
• 🌴 Distance from the coast or flood zones
• 🛠️ Roof age and hurricane protection features
• 💵 Your chosen coverage limits and deductibles
• ✅ Available discounts for new homes, updated roofs, and more

Whether You're a First-Time Buyer or Just Ready to Shop Smarter

• Compare quotes from trusted names like Tower Hill, AAA, Progressive, and more
• Understand exactly what your policy covers — and what it doesn’t
• Prevent gaps in coverage and avoid overpaying
• Get guidance tailored to your home, lifestyle, and budget

At Augustyniak Insurance, we shop your rate with over 30 carriers to get you the best value for your protection.

📞 Call 904-268-3106

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FAQs: Florida Homeowners Insurance

What’s the difference between replacement cost, market value, and tax value?

Replacement cost is what it would cost to rebuild your home today using similar materials and labor. Market value is what your home would sell for — which includes land value. Tax value is assessed by your county for property taxes. Insurance should always be based on replacement cost.

Do I need flood insurance in Jacksonville?

Standard home insurance policies don’t cover flood damage. If you're in a flood zone or near water, consider adding separate flood insurance.

Can I bundle home and auto insurance for discounts?

Yes! Most companies offer multi-policy discounts. Bundling can save money and simplify your insurance.

Related Topics for Florida Homeowners

• How Much Home Insurance Do I Need in Florida?
• Top 25 Largest Florida Homeowners Insurance Companies
• Do You Need Flood Insurance in Florida?
• What is umbrella insurance?

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