Auto Insurance
Personal auto coverage including liability, comprehensive, and collision. We compare across appointed carriers and re-quote at every renewal.
Local team. Statewide reach.
Your local insurance team across Florida and Georgia.
Locally owned, multi-carrier independent agency serving Florida and Georgia from two Saint Johns County offices. Real people, real coverage reviews, real options.
Multi-carrier, over a dozen options when available
Two Saint Johns County offices
Local insurance professionals
Trusted since 2006
By the numbers.
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Years in business
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Households served
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Policies in force
Coverage
Coverage for what matters most.
Personal and commercial lines we write across Florida and Georgia, quoted side by side across appointed carriers.
Renters Insurance
HO-4 coverage for belongings and liability in any rental. We help you understand what your lease requires and what you actually need.
Motorcycle / ATV / Off-road
Liability and physical damage for street bikes, cruisers, sport models, ATVs, side-by-sides, and off-road vehicles.
Boat / Watercraft
Hull, liability, and on-water coverage for personal watercraft. Includes options for agreed value, towing assistance, and fuel-spill liability.
RV / Motorhome / Travel Trailer
Coverage built for the way RVs are actually used, full-time, weekend, or seasonal, with liability, comprehensive, and contents options.
Classic / Collector Auto
Agreed-value coverage for vintage, classic, and collector vehicles through specialty carriers.
Homeowners (HO-3, HO-5)
Florida-specific home coverage. Wind mitigation, hurricane deductibles, replacement cost, and roof age all factor in.
Condo (HO-6)
Walls-in coverage that pairs cleanly with the association master policy.
Dwelling Fire / Landlord
Coverage for rental dwellings and investment properties.
Mobile / Manufactured Home
Specialized coverage for mobile and manufactured homes through carriers that understand the risk.
Flood (NFIP and/or private)
Standard homeowners policies do not cover flood damage. We write through NFIP and private flood markets.
Wind / Hurricane
Separate wind or hurricane policies are sometimes available where carrier guidelines or location require them.
Earthquake / Sinkhole
Optional endorsements or standalone policies through specialty carriers depending on the property.
Personal Umbrella
An extra layer of liability coverage above your auto and home limits.
Term Life
Affordable life insurance for a defined period, common for young families and mortgage protection.
Whole / Universal Life
Permanent life insurance that builds cash value alongside the death benefit.
Final Expense
Smaller life insurance policies designed to cover funeral and end-of-life costs.
Disability
Income protection if you cannot work because of injury or illness.
Pet
Veterinary coverage for accidents, illness, and routine care depending on the carrier.
Identity Theft / Cyber
Protection from identity theft, financial fraud, and personal cyber events.
Commercial Auto
Coverage for owned, hired, and non-owned vehicles used in business operations. Liability, physical damage, and hired/non-owned auto endorsements available across appointed carriers.
General Liability
Third-party bodily injury and property damage protection for business operations. Sub-limits and additional insured endorsements available for contract requirements.
Business Owners Policy (BOP)
A bundle of property and liability coverage built for small to mid-size businesses.
Commercial Property
Coverage for owned or leased buildings, contents, equipment, and inventory.
Workers Compensation
State-required coverage for work-related injuries and illness, written across appointed carriers.
Commercial Umbrella
Excess liability above your underlying business policies.
Professional Liability / E&O
Errors and omissions coverage for service-based businesses where advice or work product is the product.
Cyber Liability
Protection from data breaches, ransomware, and the costs of recovery and customer notification.
Garage / Dealer
Specialized coverage for auto dealers, repair shops, body shops, and service garages.
Builders Risk
Coverage during construction or renovation through carriers familiar with construction risk.
Contractors
Liability, property, and tools-and-equipment coverage for general contractors and trade contractors.
Get a custom commercial quote
Tell us about your operation and we'll quote it across appointed carriers.
Why JNZ
Insurance knowledge, real people, real options.
Local insurance knowledge that matters
Insurance is not the same in every state or every neighborhood. We understand the challenges customers face in Florida and Georgia, including rising rates, home insurance eligibility, hurricane and flood concerns, roof age requirements, auto insurance needs, and changing carrier guidelines.
Real guidance, not just a quote
We do more than send customers a great price. We review coverage, explain the important differences, and help people understand what they are buying before they make a decision.
Fast, personal service from a real team
Customers can call, email, or visit a real agency that cares about long-term relationships. We focus on being responsive, helpful, and easy to work with before and after the policy is written.
Locations
Two offices, one neighborhood.
Walk-ins welcome at both Saint Johns County offices. Same phone line, same team.
Ready for a quote?
Get a free quote from us. No commitment, no pressure, just a real comparison across appointed carriers.
Get a Free Quote
Meet the Team
Real people. Real licenses. Real direct lines.
Our team of insurance professionals works out of two Saint Johns County offices. Here are four to start.
Richard O'Connor
Owner
Austin Wright
Operations Manager
Jonas Beaman
Sales Manager
Nicholas O'Connor
Licensed Commercial Specialist
From Neighbors
What clients say.
"I recently worked with Bryson Wood to get both my homeowners and car insurance policies, and I couldn't be happier with the experience. Bryson was incredibly knowledgeable, patient, and thorough in explaining all my options, making sure I found the best coverage to fit my needs and budget. He made the process easy and stress-free, handling all the details while keeping me informed every step of the way. If you're looking for someone who genuinely cares about helping you get the right insurance, I highly recommend Bryson Wood!"
Google Review"Great experience with JNZ Insurance Services. Jonas was extremely helpful, knowledgeable, and made the whole process quick and easy. He took the time to answer all my questions and helped me find the right coverage without any pressure. Highly recommend working with Jonas and the team at JNZ Insurance Services!"
Google Review"I had a great experience with Bryson Wood. He was knowledgeable and took the time to explain all my options clearly. I felt he genuinely cared about finding the right coverage for me, not just making a sale. Highly recommend him for anyone looking for insurance!"
Google Review
Questions
Asked often, answered plainly.
Do you only sell one carrier?
No. We work with multiple carriers and shop coverage based on the policy type, state, and customer situation. We may have access to over a dozen carrier options.
Do you write insurance outside Florida?
Yes. We write insurance in Georgia where licensing, carrier availability, and underwriting guidelines allow.
How fast can I get a quote?
Many quotes can be started and issued the same day. Timing depends on the type of insurance, the state, the information needed, and carrier underwriting requirements.
Can you bundle my home and auto insurance?
Yes, when available. Bundling may simplify your insurance and may qualify you for discounts depending on the carrier, state, and policy type.
Can you compare my current policy?
Yes. Sending us your current declarations page is one of the best ways for us to compare coverage accurately, however we prefer to get you a quote from the ground up to make sure you are properly protected.