Practical guidance on Florida and Georgia insurance from the licensed agents at JNZ — rising rates, hurricane season, coverage decisions, and what it all actually means for your policy.
Florida generally doesn't require recreational boat insurance, but lenders, marinas, and storage facilities may. Here's when coverage may be needed and what's at stake.
Read article →How FEMA flood zones and county evacuation zones differ, how to check both for a St. Johns County address, and what each one means for your flood insurance.
Read article →What Statute 316.211 requires, what may satisfy the $10,000 medical benefits exemption, and why the PIP on your auto policy does not apply.
Read article →Replacement cost vs. purchase price, wind mitigation credits on new construction, Florida liability limits, and what relocating buyers miss.
Read article →What Florida Statute 627.7011 really says about roof age, how carriers actually respond, and the 2026 roof bill that didn't pass.
Read article →The same questions we answer across the desk every day — explained clearly, without the jargon.
Why premiums keep rising, how roof age affects eligibility, and what actually moves the needle on your homeowners rate.
Wind deductibles, flood zones, NFIP versus private flood, and how to prepare your policy before a storm — not after.
Teen drivers, new homes, marriage, retirement — the moments when your coverage needs a real review, and what to look at.
General liability, commercial auto, workers comp, and the policies Florida and Georgia small businesses actually need.
Deductibles, endorsements, exclusions, and renewal letters — decoded, so you know what you're buying and why.
Carrier changes, legislative updates, and market news that affects policyholders in Florida and Georgia.
Call either office and a licensed agent will pick up or call you back the same business day — or start a free quote online.
