St. Johns County
Insurance Agency in St. Augustine, FL
St. Augustine, the St. Johns County seat, sits between the Matanzas River bayfront and the San Sebastian River, where Hurricane Matthew put water up to 4 feet above ground in 2016.
Historic District CoverageZIP 32084What Rebuilding a St. Augustine Home Costs
Lincolnville, Fullerwood, Davis Shores, and the Town Plan Historic District hold many homes built long before today’s Florida Building Code. A Florida homeowners policy includes ordinance or law coverage at 25% unless you refuse it in writing, which comes to $112,500 on a $450,000 dwelling limit. The 50% option raises that to $225,000 for code-required work after a covered loss.
The Matanzas River bayfront and the San Sebastian River drive flood risk inside city limits. The City of St. Augustine moved to CRS Class 4 on April 1, 2026, a 30% NFIP discount. We quote that discounted NFIP rate next to private flood before you choose.
Older St. Augustine houses draw extra carrier questions about roofs, wiring, and plumbing. We send those to your realtor early so your lender has the binder before closing.
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Home, Auto, and Flood Insurance in St. Augustine, FL
St. Augustine’s older housing, its condo buildings, and short-term rentals near the historic district each change which policy terms matter most on a quote.
Homeowners Insurance
Code coverage on a St. Augustine policy pays for the damaged portion only, unless total damage tops 50% of replacement cost. For older bayfront homes, we compare the 25% and 50% limits.
Flood Insurance
Private flood in St. Augustine can be standard, preferred, customized, flexible, or supplemental. Leaving the NFIP means signing a notice that a later return may cost the full-risk rate.
Hurricane Coverage
After a hurricane claim on a St. Augustine home, a lower hurricane deductible picked at renewal takes effect only on January 1 of the next year. We plan the timing of that change with you.
Auto Insurance
After some crashes, Florida can require St. Augustine drivers to prove $10,000 per person and $20,000 per crash in bodily injury, plus $10,000 property damage, and to keep it 3 years.
Condo Insurance
The master policy for a St. Augustine condo must exclude your unit’s flooring, cabinets, countertops, appliances, and water heater. We set your HO-6 limit from what is inside your own unit.
Umbrella Insurance
Rent your St. Augustine home to guests more than three times a year for stays under 30 days, and state law treats it as transient lodging. Ask us how your umbrella handles that use.
Local Answers
Coverage Rules for Historic St. Augustine Homes
Yes, 30%. Davis Shores lies inside St. Augustine city limits, which hold CRS Class 4. St. Augustine Beach is Class 8, worth 10%.
Yes. Florida requires premium notices to show the hurricane portion separately from all other coverages, so you can compare that line across carriers.
When no private carrier offers comparable coverage within 20% of the Citizens premium. A private offer inside that line makes a primary home ineligible.
Irma, by 0.03 feet. The Tolomato gauge above St. Augustine Airport crested at 3.61 feet in 2017 and 3.58 feet in 2016, both past its 3.5-foot major stage.
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Call or send the form with your St. Augustine address, and a licensed agent responds within one business day.