Auto Insurance
Personal auto coverage including liability, comprehensive, and collision. We compare across appointed carriers and re-quote at every renewal.
Office
Saint Augustine insurance office.
Independent insurance for Saint Augustine, Saint Augustine Beach, Vilano Beach, Crescent Beach, and World Golf Village. Multi-carrier, we compare options across appointed carriers, including coverage for Florida and Georgia.
157 Hampton Point Dr. Suite 2
St. Augustine, FL 32092
St. Augustine, FL 32092
Walk-ins welcome
Mon–Thu 8:30am–5:30pm
Fri 9:00am–5:00pm
Sat by appointment · Sun closed
Fri 9:00am–5:00pm
Sat by appointment · Sun closed
Local
Insurance for Saint Augustine.
Saint Augustine sits on Florida's First Coast, and the insurance picture reflects it. Properties on Anastasia Island, Vilano Beach, and along the Matanzas River face wind, storm surge, and saltwater exposure that inland homes don't. The historic district adds another layer, many homes predate modern building codes and require coverage that accommodates older construction.
Saint Johns County sits in the top ten nationally for flood risk. FEMA flood zones across Saint Augustine include high-risk AE and VE designations along the coast and Intracoastal. The county's Class 5 CRS rating means NFIP policies in high-risk zones receive a 25% discount and policies in lower-risk X zones receive a 10% discount.
Florida's wind mitigation credits can meaningfully reduce homeowners premiums for properties with hurricane straps, impact-rated openings, and reinforced roof decks. Newer construction in World Golf Village, SilverLeaf, and Trailmark typically already qualifies.
Areas served from this office
- Saint Augustine
- Saint Augustine Beach
- Saint Augustine Shores
- Vilano Beach
- Crescent Beach
- Anastasia Island
- Butler Beach
- World Golf Village
- SilverLeaf
- Trailmark
- Murabella
- Hastings
- Elkton
ZIP codes covered:
- 32080
- 32084
- 32086
- 32092
- 32095
Coverage
Coverage for what matters most.
Lines we write, quoted side by side across appointed carriers, available at this office.
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.
Meet the Team
Meet the agents behind your policy.
Our team of insurance professionals works out of two Saint Johns County offices. Here are four you might work with.
Richard O'Connor
Agency Owner
Nicholas O'Connor
Licensed Commercial Specialist
Jonas Beaman
Sales Manager
Quintin Davalos
Licensed Sales Producer
Questions
Asked often in Saint Augustine.
Does roof age matter for Florida home insurance?
Yes. Roof age, roof shape, roof material, and wind mitigation features can all affect eligibility and pricing.
What is a hurricane deductible?
A hurricane deductible is a separate deductible that may apply to covered hurricane-related losses. It is often calculated as a percentage of the insured value of the home.
What should I review before hurricane season?
Review your home, flood, auto, boat, and umbrella coverage before a storm is on the way. Once a storm is approaching, carriers may restrict new coverage or policy changes.
What is Citizens Insurance?
Citizens is Florida's insurer of last resort for eligible property owners who cannot find coverage in the private market or meet certain affordability guidelines.
Does Florida being a no-fault state mean I cannot be blamed for an accident?
No. It simply means you are required to carry PIP insurance which usually kicks in first for the policyholder regardless of fault.
Ready for a quote?
Get a free quote from the Saint Augustine team. No commitment, no pressure, just a real comparison across appointed carriers.
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