Auto Insurance
Personal auto coverage including liability, comprehensive, and collision. We compare across appointed carriers and re-quote at every renewal.
Office
Saint Johns insurance office.
Independent insurance for Saint Johns, Fruit Cove, Switzerland, Julington Creek, and the surrounding 32259 communities. Multi-carrier, we compare options across appointed carriers, including coverage for Florida and Georgia.
1631 Race Track Road Suite 206
St. Johns, FL 32259
St. Johns, FL 32259
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 Johns and Fruit Cove.
Saint Johns and Fruit Cove are anchored by master-planned communities, Julington Creek Plantation, Durbin Crossing, Aberdeen, RiverTown, and Shearwater among them. Most homes here are newer construction with modern building codes and HOA-mandated coverage requirements.
Even inland from the Atlantic, the Saint Johns River, Julington Creek, and Durbin Creek shape flood risk across the 32259 ZIP code. 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.
HOAs in Julington Creek Plantation, Durbin Crossing, and similar communities often dictate minimum coverage levels and may require specific endorsements. Newer homes typically already qualify for wind mitigation credits, confirm the inspection report is on file with the carrier.
Areas served from this office
- Saint Johns
- Fruit Cove
- Switzerland
- Julington Creek Plantation
- Durbin Crossing
- Aberdeen
- RiverTown
- Shearwater
- Bartram
- Palencia
- Nocatee
- Ponte Vedra
ZIP codes covered:
- 32258
- 32259
- 32082
- 32081
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
The licensed team you'll work with.
Our team of insurance professionals works out of two Saint Johns County offices. Here are four you might work with.
Zachary O'Connor
Licensed Sales Producer
Austin Wright
Operations Manager
Traci Golden
Office Manager
Bryson Wood
Licensed Sales Producer
Questions
Asked often in Saint Johns.
Is the Saint Johns office different from the Saint Augustine office?
Same team, same phone line, same agency. The Saint Johns office at 1631 Race Track Road Suite 206 is more convenient for residents of Fruit Cove, Switzerland, Julington Creek Plantation, and the surrounding 32259 area. Walk-ins are welcome at either location.
Do you cover Fruit Cove and Switzerland?
Yes. Fruit Cove and Switzerland are core service areas for the Saint Johns office. Both areas sit within the 32259 ZIP code and share many of the same carriers, flood zone considerations, and HOA structures.
Do Julington Creek Plantation HOAs require specific insurance?
HOAs across Julington Creek Plantation and similar master-planned communities typically dictate minimum liability and dwelling coverage levels. The exact requirements vary by sub-community. We review HOA documents at the policy review and structure coverage to satisfy the requirement.
Is flood insurance required in Fruit Cove?
Required only if the property sits in a FEMA high-risk zone (AE or VE) and carries a federally backed mortgage. Many Fruit Cove and Switzerland homes are in lower-risk X zones, but properties along the Saint Johns River, Julington Creek, or Durbin Creek frequently fall into high-risk designations. The county's Flood Zone Viewer (sjcfl.us) shows the current designation for any address.
Is Georgia insurance different from Florida insurance?
Yes. Insurance requirements, coverage options, rating factors, and underwriting guidelines can vary by state. We can help customers understand their options in Florida and Georgia where available.
Ready for a quote?
Get a free quote from the Saint Johns team. No commitment, no pressure, just a real comparison across appointed carriers.
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