Auto Insurance
Personal auto coverage including liability, comprehensive, and collision. We compare across appointed carriers and re-quote at every renewal.
Coverage
Insurance Coverage Across Florida and Georgia
Personal and commercial coverage across more than 25 lines, written through multiple carriers, reviewed by a real local team.
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 options, real people.
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.
Multiple carriers, real comparison
We're an independent agency with appointments across multiple carriers, not a captive office. That means we can shop your coverage based on your situation rather than fitting you into one company's product. When the Florida market tightens or a carrier pulls back, having real options is the difference between a coverage gap and a smooth renewal.
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.
Multi-carrier
Carriers we work with.
A representative list of our appointed carriers across personal and commercial lines. The breadth is the difference between fitting you into one product and finding the policy that actually fits.
Personal lines carriers
- Allstate
- American Integrity
- American Collectors
- American Modern
- Aon Flood
- Beyond Floods
- Citizens
- Cypress
- Foremost
- Geovera
- Hagerty
- Jewelers Mutual
- Monarch National
- National General
- One Alliance
- Progressive
- RLI
- Security First
- Slide
- Tower Hill
- Winward Risk
Commercial lines carriers
- Allstate
- Bass Underwriters
- Braishfield
- Bridge Specialty
- CNA Surety
- Cotarie
- Hiscox
- NEXT
- Ryan Specialty
- US Assure
- The Hartford
- Progressive
- National General
Carrier appointments vary by line and state. Available carriers depend on your specific situation.
Service area
Where we write coverage.
We write insurance across Saint Johns County, Florida, and the surrounding region, including Saint Augustine, Saint Johns, Fruit Cove, Switzerland, Ponte Vedra, Nocatee, World Golf Village, Palencia, Hastings, Elkton, Mandarin, Jacksonville, and Duval County. We also write business across Georgia where licensing and carrier appointments allow.
Our two offices are in Saint Augustine and Saint Johns, same phone line, same team.
Questions
Frequently asked.
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.
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.
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.
What information do I need to get a quote?
For most personal lines: full names, dates of birth, current address, vehicle VINs (for auto), and your current declarations page if you have one. For home: the property address, year built, and roof age. We will tell you exactly what we need once we know what you would like quoted.
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.
Do I have to switch if you give me a quote?
No. There is no obligation to switch. The quote is yours to keep, bind only if it makes sense for you.
Ready to talk?
Get a quote, compare your current coverage, or just ask a question, we'd be glad to help.