Bates & Hewett, Inc. Dba Bates Hewett & Floyd
165 Southpark Blvd, Ste C, St Augustine, FL 32086
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165 Southpark Blvd, Ste C, St Augustine, FL 32086
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165 Southpark Blvd, Suite C, St. Augustine, FL 32086
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1 Spencer St, St. Augustine, FL 32084
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108 Sea Grove Main St, Suite B, St. Augustine, FL 32080
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701 Market St, Suite 111, St. Augustine, FL 32095
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4475 US 1 South, Ste 505, St. Augustine, FL 32086
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5575 A1A South, Suite 116A, St. Augustine, FL 32080
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212 San Marco Ave, Suite D, St Augustine, FL 32084
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212 San Marco Ave, Suite D, St. Augustine, FL 32084
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116 Seagrove Main Street, STE 120, St. Augustine, FL 32080
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Learn about insurance coverage options specific to St Augustine residents.
St. Augustine home insurance averages $1,857/year—36% below Florida's average. Learn about flood zones, historic property coverage, and ways to save.
General Insurance EducationComplete insurance guide for St. Augustine residents covering home, auto, historic property, and flood insurance. Learn rates, requirements, and savings.
Car InsuranceSt. Augustine drivers pay $2,122/year on average—$37/month less than Florida's average. Learn how PIP works and how to save on coverage.
Car InsuranceNavigate St. Augustine's unique driving challenges with the right auto insurance. Learn about Florida's no-fault system, PIP requirements, and how to save on coverage.
The average cost of home insurance in St. Augustine is about $1,857 annually, which is roughly 36% below Florida's state average. Homes under 2,500 square feet typically pay around $1,281 per year, while larger homes average $1,752. Your specific rate depends on your ZIP code, home age, roof condition, and proximity to the coast.
Most likely, yes. Much of St. Augustine sits in FEMA flood zones, and if you have a mortgage in a high-risk flood area, your lender will require flood insurance. Even if it's not required, flood insurance is strongly recommended due to the area's coastal location and storm surge risk. Standard homeowners policies don't cover flood damage at all.
Yes, historic homes can be more challenging to insure due to older construction, outdated systems, and higher repair costs related to preservation requirements. However, you can improve your chances by getting wind mitigation and four-point inspections, maintaining an updated roof, and working with agents experienced in historic properties. Adding Ordinance and Law Coverage is especially important for historic district homes.
Wind mitigation is an inspection that documents your home's hurricane-resistant features like reinforced roof attachments, impact-resistant windows, and roof shape. In St. Augustine, a wind mitigation inspection can qualify you for significant insurance discounts—often 20% or more—by proving your home can withstand hurricane-force winds better than older construction.
Flood insurance in St. Augustine typically averages around $700 annually through the National Flood Insurance Program, but can range from a few hundred dollars to over $2,000 depending on your flood zone designation and elevation. St. Johns County offers automatic discounts of 25% for high-risk zones and 10% for lower-risk X zones through FEMA's Community Rating System.
Your roof's age and condition is the single biggest factor. Most insurers won't cover homes with roofs over 20 years old, and some have stricter requirements. If you're buying a home with an older roof, plan to replace it or provide documentation of recent updates and wind mitigation features to qualify for coverage.
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