The top-rated home insurance agent in Jacksonville Beach, Florida is First Beaches Insurance, rated 5.0 stars across 145 reviews. Other highly rated options include We Insure Jacksonville Beach - Matt Moss & Chris Crafton, Goosehead Insurance - Craig and Kristine Koproski, Florida Home Insurance Network. This directory lists 14 home insurance agents serving Jacksonville Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Beaches Insurance | 1617 Beach Blvd | (904) 249-4324 |
| 2 | We Insure Jacksonville Beach - Matt Moss & Chris Crafton | 220 14th Ave S | (904) 428-1052 |
| 3 | Goosehead Insurance - Craig and Kristine Koproski | 492 Osceola Ave | (203) 648-9907 |
| 4 | Florida Home Insurance Network | 1301 Penman Rd ste c | (904) 900-7245 |
| 5 | Ocean State Insurance | 203 3rd St S | (904) 246-1829 |
| 6 | GreatFlorida Insurance: Alex Bigale | 314 2nd Ave S Suite 101 | (904) 694-0741 |
| 7 | Blue Marlin Insurance | 2029 3rd St N | (904) 712-3470 |
| 8 | State Insurance Agency | 803 3rd St N | (904) 247-5599 |
| 9 | Fletcher & Company Insurance | 1211 3rd St N | (904) 249-2345 |
| 10 | Palm Insurance -- Tom Alford | 237 9th Ave N #3 | (904) 240-4692 |
First Beaches Insurance serves the Jacksonville Beach, Florida area as a home insurance agent. The company assists local homeowners in navigating coverage for single-family houses and coastal properties. It helps clients understand standard policies that protect dwellings, personal belongings, and liability. Additionally, the business guides customers through the unique insurance requirements common to beachside communities. First Beaches Insurance addresses windstorm coverage and flood insurance policies specific to this coastal region.
We Insure Jacksonville Beach - Matt Moss & Chris Crafton provides coverage consultations and policy management services for homeowners. Its offerings include assistance with evaluating dwelling protection, liability coverage, and personal property options. The agency helps clients review existing plans or explore new policies, addressing coverage gaps or adjustments as needed. It also provides periodic policy check-ins and claims support guidance. This home insurance agent serves a variety of residential and commercial properties, including single-family homes, apartments, retail spaces, and restaurants in the Jacksonville Beach area.
Homeowners, businesses, and property managers in Jacksonville Beach rely on Goosehead Insurance - Craig and Kristine Koproski for their home insurance needs. The agency works to find suitable coverage that protects homes and personal property from common local risks. It assists clients in understanding different policy options and deductibles. This office also provides its guidance to residents in the neighboring community of Atlantic Beach and other parts of the greater Jacksonville metro area.
Florida Home Insurance Network serves clients in Jacksonville Beach and the surrounding coastal communities, where it handles home insurance policies for property owners. The agency assesses each client’s unique coverage needs based on local weather risks and property types. It compares options from multiple carriers to find suitable protection for homes and personal belongings. When managing a typical policy, it reviews the property details, explains coverage limits and deductibles clearly, then customizes a plan to address the homeowner’s specific concerns and budget requirements.
For a homeowner, choosing between a one-time policy review and an ongoing coverage relationship marks the first key decision. Ocean State Insurance, serving Jacksonville Beach, FL, as a home insurance agent, offers both consultation options and standard policy renewals to ensure property protection. The agency can help clients compare policies for wind, flood, and other regional risks. Their service runs on either a one-time basis for a single review or as-needed throughout a policy term for adjustments and claims support.
With hurricane season threatening Jacksonville Beach properties, GreatFlorida Insurance: Alex Bigale helps homeowners secure appropriate coverage tailored to coastal risks. The agency guides clients through standard policies and flood endorsements, focusing on protecting structures and belongings against wind and water damage common along the First Coast. An initial on-site inspection assesses each home's specific vulnerabilities before recommending a suitable insurance plan.
Blue Marlin Insurance provides home insurance policies for residents of Jacksonville Beach, Florida, with options to add specialty coverage such as flood or windstorm protection. The agency helps clients tailor their homeowners plans to better safeguard coastal properties. In addition to residential work, Blue Marlin Insurance supports various commercial sectors that require property coverage, including offices, warehouses, and food service establishments.
State Insurance Agency offers specialized home insurance services for properties in coastal Jacksonville Beach, including windstorm and flood coverage. The agency works closely with clients to tailor policies that address standard home protection needs. It also assists with annual policy reviews to ensure coverage remains aligned with changing property values and renovations. As hurricane season approaches each year, the agency helps homeowners verify their deductibles and update contents inventories for storm preparedness.
Fletcher & Company Insurance serves residential home insurance needs for clients in Jacksonville Beach, Florida. The agency also handles commercial property coverage, extending its service throughout the broader Jacksonville Beach area. Policies are tailored to protect homes from coastal weather risks common to the region. Clients can arrange follow-up service for policy adjustments or coverage questions between regular policy reviews, ensuring ongoing protection as circumstances change.
Palm Insurance -- Tom Alford is known for providing personal home insurance coverage to homeowners in Jacksonville Beach, Florida. The agency offers standard policies that protect residential property against common perils like fire, theft, and weather damage. It also assists clients in reviewing their existing coverage and exploring options for deductible limits and liability protection. An available specialty service the agency can add onto a standard policy is comprehensive flood coverage, which is essential for properties in coastal Florida communities.
What Does a a Home Insurance Agent in Jacksonville Beach Cost?
Home insurance costs in Jacksonville Beach vary widely based on the homes value age and distance from the coast. Average annual premiums in Florida are around 2000 to 4000 dollars but coastal properties can exceed 6000 dollars. Factors like wind mitigation features and roof condition can lower your rate. This is general information and not insurance advice.
About home insurance agents in Jacksonville Beach
A home insurance agent in Jacksonville Beach Florida can help you navigate the unique risks of coastal property ownership. Florida law requires insurers to offer windstorm coverage and sinkhole loss coverage in certain areas. An agent can explain how these policies work and help you find a plan that fits your budget and home.
Frequently Asked Questions
What does a home insurance agent in Jacksonville Beach do?
A home insurance agent helps you compare policies from different insurers. They explain coverage options like windstorm and flood insurance. They also assist with filing claims and updating your policy as your needs change.
Do I need flood insurance in Jacksonville Beach?
Flood insurance is not required by Florida law for all homes. However if your home is in a high-risk flood zone your mortgage lender may require it. An agent can help you check your flood zone and find a separate flood policy through the National Flood Insurance Program.
What Florida laws affect home insurance in Jacksonville Beach?
Florida law mandates that insurers provide windstorm coverage for coastal areas. It also requires a 30-day notice before a policy is canceled for nonpayment. The state has a strict statute of limitations for filing claims which is generally five years from the date of loss.
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