First Beaches Insurance, LLC
1617 Beach Blvd, Jacksonville Beach, FL 32250
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1617 Beach Blvd, Jacksonville Beach, FL 32250
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422 Jacksonville Dr, Jacksonville Beach, FL 32250
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1624 3rd Ave N, Jacksonville Beach, FL 32250
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408 Mccollum Cir, Jacksonville Beach, FL 32250
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803 Third Street N, Jacksonville Beach, FL 32250
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1361 13th Ave S, Ste 235, Jacksonville Beach, FL 32250
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1361 13th Avenue South, Ste. 235, Jacksonville Beach, FL 32250
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220 14th Ave S, Jacksonville Beach, FL 32250
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Learn about insurance coverage options specific to Jacksonville Beach residents.
Jacksonville Beach home insurance costs $6,000-$8,000+ yearly. Learn about VE flood zones, hurricane coverage, and why you need three separate policies.
Car InsuranceJacksonville Beach auto insurance guide: Florida's no-fault system, $10K PIP requirement, A1A corridor risks, and why 20% uninsured drivers matter.
General Insurance EducationComplete insurance guide for Jacksonville Beach residents. Learn about flood requirements, hurricane deductibles, and coastal coverage costs in 2025.
Jacksonville Beach homeowners typically pay $6,000 to $8,000+ annually for comprehensive coverage, significantly more than inland Florida properties. This includes your base homeowners policy ($3,000-$5,000+), mandatory flood insurance ($865-$2,000+), and windstorm coverage if excluded from your base policy. Coastal properties pay premium rates due to hurricane and flood exposure.
Yes, flood insurance is mandatory for most Jacksonville Beach oceanfront properties because they sit in VE flood zones—high-risk coastal areas with wave action. If you have a mortgage, your lender will require it. Even if you own your home outright, skipping flood insurance is extremely risky given the area's storm surge potential of 6 to 20 feet during hurricanes.
VE zones are coastal floodplain areas within the 100-year floodplain that face additional hazards from storm waves and established Base Flood Elevations. Most Jacksonville Beach oceanfront properties fall into VE zones, which means mandatory flood insurance, stricter building requirements, and higher premiums. Properties in VE zones must demonstrate they can withstand wave action and meet elevation requirements during construction.
Standard homeowners policies in Jacksonville Beach typically exclude wind and hail damage from hurricanes, meaning you need separate windstorm insurance for that coverage. Flood damage is also excluded from homeowners policies—you need separate flood insurance for storm surge and water damage. This is why beach homeowners typically carry three policies: homeowners, flood, and windstorm.
Jacksonville participates in the National Flood Insurance Program's Community Rating System with a ranking of 6, providing a 20% discount on flood insurance for properties in special flood hazard areas and 10% for those outside high-risk zones. This discount applies automatically and can save you several hundred dollars annually on your flood insurance premium.
Yes, there are signs of market stabilization in 2025. Since January 2024, 17 insurance companies filed for rate decreases and 34 requested no rate increases. Some coastal barrier island policies could drop up to 25%, and the overall Florida market saw only a 1.0% rate increase for 2024 compared to previous years' dramatic hikes, thanks to state insurance reforms passed in 2022-2024.
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