8 Flags Insurance Agency, LLC
1411 S 14th St, Suite M, Fernandina Beach, FL 32034
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1411 S 14th St, Suite M, Fernandina Beach, FL 32034
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1471 S 8th St, Fernandina Beach, FL 32034
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2384 Sadler Road, Fernandina Beach, FL 32034
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11 South 11th Street, Fernandina Beach, FL 32034
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1901 Island Walkway, Suite 117, Fernandina Beach, FL 32034
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Learn about insurance coverage options specific to Fernandina Beach residents.
Fernandina Beach home insurance costs $2,053-$4,080/year. Learn about flood zones, hurricane deductibles, and historic property coverage on Amelia Island.
Car InsuranceFernandina Beach auto insurance guide: Florida's no-fault PIP ends July 2026. Learn new 25/50/10 requirements, Nassau County rates, and A1A coverage tips.
Even if you're not in a Special Flood Hazard Area, flood insurance is strongly recommended for Fernandina Beach properties. Standard homeowners insurance doesn't cover flood damage or storm surge, and being on a barrier island means you're at risk even outside designated flood zones. Flood insurance outside high-risk areas is typically much more affordable than in SFHAs, and claims data shows that about 25% of flood insurance claims come from moderate-to-low risk areas.
Fernandina Beach maintains a Class 5 CRS rating, which gives residents in Special Flood Hazard Areas a 25% discount on their National Flood Insurance Program premiums. For a typical home, this could save $300-$500 or more annually. Properties outside high-risk zones also receive a 10% discount through the CRS program, though flood insurance is generally more affordable in those areas regardless.
Your regular deductible is a flat dollar amount (like $1,000 or $2,500) that applies to most claims like fire, theft, or water damage. Your hurricane deductible is a percentage of your dwelling coverage—typically 2% to 10%—and only applies when damage is caused by a named hurricane. For a $300,000 home with a 5% hurricane deductible, you'd pay the first $15,000 of hurricane damage yourself before insurance coverage kicks in.
Florida's home insurance market is stabilizing in 2025 after years of dramatic increases. The average statewide premium is up only about 6% from 2024, compared to double-digit increases in previous years. Many insurers have filed for rate decreases or 0% increases, and seventeen new carriers have entered the market, increasing competition. If Florida avoids major hurricanes, rates could continue stabilizing or even decrease in 2026.
Historic homes in Fernandina Beach's downtown district need adequate ordinance and law coverage to pay for bringing the property up to current building codes after major damage. You should also ensure your dwelling coverage limits are high enough to rebuild with period-appropriate materials and craftsmanship, not just replace with standard construction. Extended replacement cost coverage (typically 125% or 150% of your dwelling limit) provides important cushion for historic properties.
Standard homeowners insurance in Fernandina Beach typically covers wind damage from hurricanes, but you'll pay a separate percentage-based hurricane deductible rather than your regular deductible. However, flood damage and storm surge are never covered by homeowners insurance—you need separate flood insurance for that. Some coastal policies may exclude or limit wind coverage, requiring you to purchase separate windstorm insurance, so review your policy carefully.
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