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Insurance Agent · Fruit Cove
450-106 State Road 13 North, Fruit Cove
Insurance Agent in Fruit Cove, FL
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Insurance Agent · Fruit Cove
450-106 State Road 13 North, Fruit Cove
Insurance Agent in Fruit Cove, FL
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Insurance is a bigger line item in St. Johns County than almost anywhere people move from. Homeowners premiums climbed hard across Florida in recent years, several carriers left the state, and many homes near the coast, on Anastasia Island and in older St. Augustine neighborhoods ended up with Citizens, the state-backed insurer of last resort. Flood insurance is a separate policy and is needed well beyond the mapped high-risk zones, including parts of Nocatee, Julington Creek and World Golf Village that sit along creeks and retention systems. Wind mitigation inspections and four-point inspections drive both eligibility and price. Auto rates are high too, and Florida's minimum coverage is thin. A good local independent agent knows which carriers are writing in which zip codes this month, which changes often. Ask that question first.
Start with an independent agent
Independent agents quote multiple carriers, which matters in Florida because the list of companies writing new policies changes constantly. Captive agents sell one brand, which is fine if that brand is competitive in your zip code this year.
Get wind mitigation and four-point inspections
A wind mitigation inspection costs about 100 to 175 dollars and can cut a homeowners premium substantially by documenting roof shape, straps and openings. Carriers require a four-point inspection on most homes past 20 to 30 years old. Ask the agent which ones you need before quoting.
Price flood insurance every time
Homeowners policies do not cover flood. Get an NFIP quote and a private flood quote even in an X zone, since St. Johns County has flooded from rain and storm surge well outside the mapped high-risk areas.
Check the carrier, not just the price
Look up the company's financial rating with Demotech or AM Best and its complaint history with the Florida Office of Insurance Regulation. A cheap premium from a carrier that fails after a hurricane is not cheap.
Ask about deductibles in plain numbers
Florida homeowners policies carry a separate hurricane deductible, usually 2 to 5 percent of the dwelling coverage, which on a 500,000 dollar house is 10,000 to 25,000 out of pocket. Make sure you know the dollar figure, not just the percentage.
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