Beck Agency - General
661 A1A Beach Boulevard, Saint Augustine, FL 32080
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Saint Augustine households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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661 A1A Beach Boulevard, Saint Augustine, FL 32080
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Learn about insurance coverage options specific to Saint Augustine residents.
Saint Augustine home insurance averages $1,857/year—36% below Florida's average. Learn about historic home coverage, flood zones, and hurricane protection.
Car InsuranceSaint Augustine auto insurance costs $37/month less than Florida's average. Learn about PIP requirements, I-95 risks, and 2026 law changes.
The average home insurance premium in Saint Augustine is approximately $1,857 per year, which is about 36% below Florida's state average. This lower cost is primarily due to Saint Augustine's northern location, which experiences fewer direct hurricane hits than southern Florida. However, rates vary significantly based on your home's age, construction, proximity to the coast, and wind mitigation features.
If you have a federally-backed mortgage and live in a FEMA high-risk flood zone (A, AE, AH, AO, AR, A99, V, or VE), flood insurance is legally required. Even if it's not mandatory, flood insurance is highly recommended in Saint Augustine due to its coastal location and proximity to the Matanzas River. Standard homeowners policies do not cover flood damage, and St. Johns County offers automatic NFIP discounts of 25% in high-risk areas and 10% in moderate-risk zones.
Historic homes in Saint Augustine typically require a 4-point inspection (examining roof, electrical, plumbing, and HVAC) and a wind mitigation inspection for homes built before 2003. Your roof age is critical—many insurers won't cover roofs older than 15-20 years. You'll also need hurricane protection on all doors and windows to qualify for wind mitigation discounts. Homes with asbestos may be difficult or impossible to insure with standard carriers.
Florida homeowners policies have separate hurricane deductibles calculated as a percentage of your home's insured value—typically 2%, 5%, or 10%. For example, if your home is insured for $300,000 with a 2% hurricane deductible, you'll pay the first $6,000 out of pocket for hurricane damage before your insurance coverage begins. Lower percentage deductibles result in higher premiums, so it's a balance between upfront costs and potential out-of-pocket expenses during a claim.
The most effective way to reduce premiums is through wind mitigation features: impact-resistant windows or hurricane shutters, reinforced roof-to-wall connections, and hurricane-rated roofing materials. Getting a wind mitigation inspection (for homes built before 2003) can document these features and unlock discounts. Additionally, maintaining a newer roof, installing a security system, and shopping multiple carriers annually can all help reduce your costs. For flood insurance, obtaining a Flood Elevation Certificate can significantly lower your premiums.
Yes, Saint Augustine was not immune to Florida's insurance market volatility. Between 2022 and 2025, some residents saw premiums double or triple, and approximately 1,500-1,750 St. Johns County residents lost coverage when carriers went insolvent. However, the market appears to be stabilizing in 2025, with new insurers entering Florida and rate increases slowing. Saint Augustine still maintains lower average premiums than most Florida coastal areas due to its reduced hurricane risk.
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