Save On Home Insurance in Jacksonville, FL | TGS Insurance Agency

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Homeowners Insurance  »  Florida  »  

Jacksonville

Simplify Your Home Insurance Shopping with TGS: Comprehensive Coverage Made Easy

 

At TGS Insurance Agency, we pride ourselves on being an independent agency that collaborates with over 55 top-rated insurance carriers. This allows us to offer you a broad range of comprehensive home insurance options tailored specifically to your needs. Our dedicated team of experienced agents takes the stress out of the insurance shopping process by doing all the hard work for you. Beginning with a free, instant quote, we guide you through the process, customizing your coverage and identifying every potential discount. Our commitment to excellence ensures you receive the best protection at the most competitive rates. We shop. You save. It’s that simple and straightforward with TGS Insurance Agency.

 

Understanding Home Insurance Coverage in Jacksonville

 

As a homeowner in Jacksonville, your house is likely your most significant investment, deserving robust protection. Crafting a home insurance policy tailored to your unique needs is crucial. Various insurance providers offer diverse coverage options, endorsements, and protections, each with specific conditions and limitations, allowing for personalized policies. The most common types of coverage included in a homeowners insurance policy are:

  • Dwelling Coverage: Protects the structure of your home.
  • Other Structures Coverage: Covers buildings not attached to your main house, such as detached garages, sheds, and fences.
  • Personal Property Coverage: Insures your belongings, including furniture, electronics, and clothing, for repair or replacement.
  • Loss of Use Coverage: Pays for additional living expenses if you need to live elsewhere while your home undergoes repairs.
  • Personal Liability Coverage: Covers legal costs if someone is injured on your property or if you cause damage and face a lawsuit.
  • Medical Payments Coverage: Helps pay medical expenses for non-household members injured on your property.

 

What is the Typical Cost of Home Insurance in Jacksonville?

 

For TGS Insurance customers in Jacksonville, the average annual cost of home insurance is $1,656. This average is calculated for homes with an average value of $348,631 and includes windstorm and hail coverage with a 2% deductible. The cost of your policy can fluctuate based on various factors, such as the age, value, and location of your home, as well as your credit score and coverage preferences. At TGS Insurance Agency, we offer flexible options to help you tailor your policy to your needs and budget. Start with a free instant home insurance quote by entering your address above to find the perfect fit for your coverage needs.

 

Understanding Dwelling Coverage Impact on Premium in Jacksonville

 

Dwelling coverage is a vital part of home insurance, safeguarding the physical structure of your home against covered hazards. Your policy typically offers coverage up to a certain dollar amount, known as the policy limit. It’s essential to set a dwelling coverage limit high enough to cover the full cost of rebuilding your home if it were to be completely destroyed.

The dwelling coverage limit plays a significant role in determining your home insurance premium. Generally, higher coverage limits translate to higher premiums because the insurer takes on more risk. Below is a summary of the average home insurance premiums based on varying dwelling coverage limits.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$1,206
$200,000.00 - $299,999.00$1,369
$300,000.00 - $399,999.00$1,638
$400,000.00 - $499,999.00$1,927
$500,000.00 - $599,999.00$2,267
$600,000.00 - $699,999.00$2,731
$700,000.00 - $799,999.00$3,090

 

Why Home Insurance Rates Vary in Jacksonville

 

Home insurance rates in Jacksonville are not uniform across all areas. The most expensive zip code, 32250, has higher premiums due to elevated risks and higher rebuilding costs. Conversely, 32254, the least expensive zip code, benefits from lower risk factors and more affordable property values. At TGS Insurance Agency, we help you navigate these variations to find the best coverage for your home.

Jacksonville Home Insurance Cost By Home Age

 

Home insurance rates can vary significantly based on the age of the home due to several factors. Older homes often come with higher insurance premiums because they may have outdated electrical, plumbing, and heating systems that pose more significant risks for fires, water damage, and other hazards. These homes might also be constructed with materials that are more susceptible to damage and may not meet current building codes, increasing the likelihood of costly repairs. On the other hand, newer homes typically benefit from modern construction techniques, materials, and adherence to updated safety standards, reducing the risk of damage and, therefore, lowering insurance premiums. Additionally, newer homes may also have more advanced security features, which can further decrease the likelihood of theft or vandalism and contribute to lower insurance rates.

 

For example, TGS Insurance customers in Jacksonville with homes over 25 years old pay an average annual premium of $1,908. In contrast, those with newer homes pay about $1,404 per year. This difference underscores how the age of a home affects insurance costs, with older homes typically leading to higher premiums due to the increased likelihood of claims.

 

Comparing Home Insurance Rates: What Makes Each Carrier Unique?

 

Home insurance premiums can vary widely between different carriers because of several contributing factors. Each insurer uses a distinct risk assessment method, considering elements like the home’s location, age, and overall condition, along with the homeowner’s past claims and credit history. Carriers also provide various discounts, which might include incentives for policy bundling, security enhancements, or maintaining a claims-free record. The way insurers evaluate regional risks and past natural events can also impact rates, as some may assign higher costs based on these factors. Moreover, the quality of customer service and the carrier’s financial strength can influence premium prices, with reputable companies often charging more for their comprehensive coverage and reliability. Comparing quotes from multiple insurance providers is crucial for homeowners to secure the best rate and coverage.

 

Jacksonville Zip Codes We Insure

3220232204322053220632207
3220832209322103221132216
3221732218322193222032221
3222232223322243222532226
3223432244322463225432256
322573225832277

Didn’t see your zip code? No problem! We’re here to help homeowners all across {state} find the right home coverage. Start with a free instant quote by entering your address above.

TGS Insurance is Jacksonville's Premier Home Insurance Provider

Jacksonville neighborhood

Jacksonville, Florida, is the largest city by area in the contiguous United States. Located in the northeastern part of the state, it boasts beautiful beaches, a vibrant arts scene, and rich history. Known for its diverse culture and outdoor activities, Jacksonville is a dynamic hub for business, leisure, and coastal living.

Jacksonville neighborhood

Experience the difference with TGS Insurance Agency, where we prioritize the needs of our Jacksonville customers. Offering comprehensive coverage and outstanding service, we help you protect your home from unforeseen events. Get a free quote today.

Key Home Statistics in Jacksonville

985,843

Total Population in Jacksonville, FL

$302,071

Average Home Value in Jacksonville, FL

$64,138

Median Household Income in Jacksonville, FL

36

Median Age in Jacksonville, FL

Trust TGS Insurance in Jacksonville

Data as of November 13, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Jacksonville, FL

Image of Riverside Neighborhood

Riverside

Riverside is a lively neighborhood in Jacksonville, famous for its historic homes, trendy eateries, and vibrant arts scene, making it a cultural hub.

Image of San Marco Neighborhood

San Marco

San Marco, an upscale Jacksonville neighborhood, features chic boutiques, gourmet restaurants, and picturesque parks, offering a blend of elegance and charm.

Image of Downtown Jacksonville Neighborhood

Downtown Jacksonville

Downtown Jacksonville offers a dynamic urban experience with its bustling cultural scene, riverfront attractions, and diverse dining options, perfect for city enthusiasts.

Local Home Resources in Jacksonville, FL

Fire Departments
Arcadia City - Fire DepartmentArcadia Pl
Jacksonville, FL 32207
(863) 494-3229
Borrell Fire Inc6900 Philips Hwy
Jacksonville, FL 32216
(904) 296-0250
Bryceville Fire and Rescue301 Us-301 N
Jacksonville, FL 32234
(904) 266-4719
Commercial Fire Fax Line2443 Saint Johns Bluff Rd S
Jacksonville, FL 32246
(904) 997-9566
Craig Airport JPA Fire StationCraig Municipal Airport
Jacksonville, FL 32225
(904) 641-7666
Jacksonville Fire & Rescue18255 Pennsylvania Ave
Jacksonville, FL 32234
(904) 289-7241
St John County Fire Station1120 Sheffield Rd
Jacksonville, FL 32259
(904) 287-0044
Sunshine State Plumbing & Fire710 Haines St
Jacksonville, FL 32202
(904) 262-1066
Vfd Resources13424 Foxhaven Dr N
Jacksonville, FL 32224
(904) 220-2182
Police Departments
Florida Highway Patrol Division7322 Normandy Blvd
Jacksonville, FL 32205-6261
904-695-4115
Institute Of Police Technology12000 Alumni Dr
Jacksonville, FL 32277
9046204786
Jacksonville Police Dept501 E Bay St
Jacksonville, FL 32202
9046301069
Jacksonville Sheriff501 E Bay St
Jacksonville, FL 32202-2927
904-630-0500
Law Enforcement921 N DAVIS ST # E
JACKSONVILLE, FL 32209-6838
9043607100
Law Enforcement921 N Davis St # E
Jacksonville, FL 32209
9043607100
Police Substation- Zone 15258 Norwood Ave Ste 13
Jacksonville, FL 32208
9049245361
Sheriff's Office Julington725 Flora Branch Blvd
Jacksonville, FL 32259
9042879238