Question 1

What are the minimum auto insurance requirements in Orange Park, Florida?

Accepted Answer

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). PIP covers 80% of your medical expenses and 60% of lost wages after an accident, regardless of fault, but you must seek treatment within 14 days. Notably, Florida doesn't currently require bodily injury liability coverage, though most insurance professionals recommend adding it for better protection.

Question 2

Do I need flood insurance if I live in Orange Park?

Accepted Answer

If you have a mortgage from a government-backed lender and live in a high-risk flood area, flood insurance is mandatory. However, even if you're not in a designated flood zone, consider getting coverage—about 20% of all flood claims come from low-risk areas. With Orange Park's proximity to the St. Johns River and Clay County's susceptibility to heavy rainfall, many homeowners benefit from flood insurance that can cost less than $400 annually.

Question 3

How much can I save with wind mitigation improvements in Orange Park?

Accepted Answer

Wind mitigation features like hurricane shutters, reinforced roof connections, and impact-resistant windows can reduce your wind insurance premiums by up to 90%. Since wind coverage represents 15-70% of your total homeowners premium depending on location, these improvements can save you hundreds or thousands annually. Homes built after 2002 automatically receive default credits, but you may qualify for additional discounts with a wind mitigation inspection.

Question 4

How much does homeowners insurance cost in Orange Park?

Accepted Answer

The Florida state average for homeowners insurance is $3,815 annually as of 2025, though costs vary significantly by location and coverage. Orange Park, being inland but near the St. Johns River, typically falls in the middle range—less expensive than coastal areas but potentially higher than inland cities farther from water. The good news is that the market has stabilized after years of dramatic increases, and rates may continue to moderate through 2026.

Question 5

Are Florida's auto insurance requirements changing in 2026?

Accepted Answer

Proposed legislation would eliminate Florida's no-fault PIP system by July 1, 2026, and increase minimum bodily injury liability coverage to $25,000 per person and $50,000 per incident. However, this legislation has not yet been enacted into law. Until any changes take effect, the current requirements remain: $10,000 PIP and $10,000 PDL with no bodily injury liability requirement.

Question 6

Should I work with a local Orange Park insurance agent?

Accepted Answer

Yes, local agents offer significant advantages in Florida's complex insurance market. They understand Clay County's specific risks, know which carriers are currently writing policies in the area, and can help you navigate wind mitigation and flood insurance requirements. Independent agents work with multiple carriers, allowing them to shop around on your behalf and find the best combination of coverage and price for your specific situation.

Insurance Agents in Orange Park, Florida (FL)

Insurance agencies serving Orange Park

Andersen Insurance Group, Inc.

Brightway Insurance

Insurance Agents in Orange Park, Florida (FL)

Insurance agencies serving Orange Park

Andersen Insurance Group, Inc.

Brightway Insurance

Cannon & Beck Insurance

CS Global One Stop Insurance

Todd Vann Insurance LLC

We Insure

Insurance Guides for Orange Park

Insurance in Orange Park, Florida: Your Complete Guide

Home Insurance in Orange Park, Florida

Auto Insurance in Orange Park, Florida

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