Homeowners Insurance Quotes in Jacksonville, TX

What You Should Know About Home Insurance in Jacksonville

Jacksonville is known as the “Biggest Small Town in Texas.” It has the largest population in the state — over 14,000 — for a municipality that maintains its homey vibe. Local tomato growers from back in the day have earned the city the title “The Tomato Capital of the World.” Residents still demonstrate their pride in this agricultural achievement with an annual tomato fest that attracts hundreds of vendors, bringing the community together for a day of fun, competitions, and entertainment.

There are many other local events throughout the year that allow families to get together in a friendly environment. Despite being a small municipality, Jackson has two colleges and a healthy balance of businesses in various industries that support commerce and bring employment to its diverse group of residents. Protect your home in this town that has so much to offer by reaching out to an expert agent who will help you get the best homeowners insurance at the best prices in Texas.

How Much Does a Homeowners Insurance Policy Typically Cost in Jacksonville?

Average yearly premiums in Jacksonville are more costly than the nationwide average. The city is a great place to live, but statistics such as vandalism and natural disaster rates may affect the price of a policy in Jacksonville due to potential claims insurers may have to cover in the area.

Dwelling Insurance Total	Average Annual Cost in Jacksonville	Average Annual Cost Nationwide
$300K	$3,967	$2,582
$600K	$6,849	$4,140
$1 million	$10,376	$7,380

We arrived at these numbers by using the cost of dwelling coverage, a $100,000 liability and a standard $1,000 deductible.

How Do Home Insurance Deductibles Change Insurance Rates in Jacksonville?

Higher deductibles will get you lower rates, and lower deductibles lead to higher premiums, which makes sense since your deductible is the amount of money your insurer deducts from its obligation when you file a claim.

If you have a $5,000 claim but your deductible is $3,000, your insurer would only pay $2,000 toward the damages, leaving you to cover the balance. Whereas, had your deductible been only $500, your carrier would have been on the line for $4,500. That is why your deductible directly affects your rate.

You may think it is best to just choose a high deductible so you get the most affordable policy. While you can certainly do that, you need to make sure you will have the funds available to cover the higher amount if you file a claim.

Since every person is unique, your InsureOne agent can discuss various cost scenarios with you based on different premium amounts to help you personalize your policy based on your unique preferences.

Is Home Insurance Tax Deductible in Jacksonville?

There are scenarios where you may be able to write off your homeowners premiums on your tax return. For example, if the home is a rental property or you rent it to a business. Sometimes, you can get a partial deduction — if you rent part of the house to tenants or have a room you use exclusively for work-related purposes.

But generally speaking, homeowners insurance on the residence you live in is not tax deductible. Even in scenarios where it seems like your premiums may help lower your tax bill, you should discuss with a tax professional to confirm.

Does Jacksonville Have the 80% Homeowners Insurance Rule?

Jacksonville insurers do enforce the 80% rule, which is not a law but an industry standard. When you obtain a policy, your InsureOne agent will ask you how much replacement cost protection you would like. This coverage will help you replace your home if it is destroyed in a fire, hurricane, or other events covered under your policy.

Choosing a higher dollar amount will increase the cost of your premiums, and a lower amount will reduce your premiums. This is because your insurer looks at the potential costs it may incur. The 80% rule dictates that if it would cost you $300,000 to replace your home after being destroyed by a wildfire, you must obtain at least $240,000 in replacement cost coverage. Your InsureOne agent will walk you through the advantages of increasing or lowering this protection so you can further customize your policy based on what makes sense for you and your family.

Bundling Home and Auto Insurance in Jacksonville

Everyone in Jacksonville wants lower premiums, and one way to reduce your rates is by bundling your home and auto coverage. Bundling is exactly what it sounds like — obtaining multiple policies with the same insurance provider. It is certainly more convenient to deal with and receive bills from a single insurer, but you can also save up to 25% on your home and car insurance as a reward for bringing your provider more of your business.

The trick to maximizing your bundling discount is to compare prices for each of your policies with several different carriers to see which offers the best rates, and then check how much they offer to reduce those premiums if you bundle. Although this sounds like a lot to handle, there is no need to be concerned because your InsureOne agent will do all the work so you do not have to and will deliver a customized package of policies that meets your needs at the most affordable rates.

How Does Home Composition Impact Insurance Rates?

Your home’s composition intersects with your insurer’s interests in several key areas, such as durability, the protection it provides, and replacement cost.

Some materials, like vinyl siding or a slate roof, are made to last for decades without any maintenance. Barring unforeseen circumstances, these should protect your home adequately from rain for as long as you live in the house with little to no maintenance. On the other hand, brick siding needs occasional repointing to prevent rain from seeping through cracks in deteriorating mortar. Then there are materials like cinder blocks and steel beams that keep the house steady and protect against strong winds and fire, but they are also expensive to replace if they do get damaged.

Your insurance rates will be based, in part, on the level of protection these materials provide and how much they cost to replace.

What Are the Different Types of Homeowners Coverage Offered in Jacksonville?

Your needs are unique, and InsureOne expert agents will tailor your policy to your specific needs. There are a variety of homeowners policies your agent can help you choose from based on either the coverage level you need or the type of dwelling you intend to insure. Once you determine which policy best suits you, your agent will walk you through various customization options. Here are examples of some of the policies available to you:

• HO-3 policy: This is the most popular policy for homeowners. It strikes an excellent balance between the level of coverage it provides and premium costs.
• HO-4 policy: This policy will give you similar coverage to the HO-3, but it is for tenants. It provides liability protection and covers your belongings from various perils, but not the dwelling itself.
• HO-7 policy: The HO-7 is also a fairly comprehensive policy and is geared toward mobile homes, providing similar coverages for possessions and liability.
• HO-8 policy: If you own an older home, you need this policy because it accounts for the fact that replacing your home may cost more than its market value.

What Is the Most Common Type of Home Purchased in Jacksonville?

Jacksonville is primarily a suburban town. Over 70% of its dwelling units are single-family detached houses. A high percentage of the homes in this town are more than 40 years old. In older houses, if something is damaged, its actual value is typically well below how much it costs to replace, so it is important to understand the difference between replacement cost vs. actual cost in home insurance.

Which Common Natural Disasters Are Covered by Home Insurance in Jacksonville?

It is important to familiarize yourself with the perils in your town and to ensure they are covered by your policy. Here are some of the covered natural disasters you may face in Jacksonville:

• Rain storms: Jacksonville gets more rain than the national average. Water can seep through roofs and faulty siding, causing damage to a home and its contents.
• Fire: A typical policy covers fires, which is a relief for Jacksonville residents since Texas had over 5,000 wildfires in 2024.
• Tornado: Though it does not get many tornadoes, Jacksonville is located in Tornado Alley, so there is always a chance of these covered wind events damaging your home.