Duval County
Insurance Agency in Arlington, Jacksonville
Arlington sits east of the St. Johns River in Jacksonville, where Pottsburg Creek at Beach Boulevard set its record crest of 4.76 feet above mean higher high water during Hurricane Irma in 2017.
East-side Home CoverageGreater ArlingtonInsuring an Arlington Home East of the River
Fort Caroline, Mill Cove, Arlington Hills, and Lake Lucina hold many houses built decades before the current Florida Building Code. After a major loss, bringing an older house up to code costs extra. Florida policies include ordinance or law coverage at 25% of the dwelling limit unless you reject it in writing, so a $300,000 limit carries $75,000 for code upgrades.
Flood water here comes from the St. Johns River, the Arlington River, Pottsburg Creek, and Mill Cove. As part of the City of Jacksonville, Arlington shares its Class 6 CRS rating and 20% NFIP discount. Every parcel gets both an NFIP and a private flood quote.
For an Arlington purchase, we confirm the lender’s coverage requirements early, then send the binder and flood decision to both the lender and your realtor before closing week.
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Home, Auto, and Flood Insurance in Arlington, Jacksonville
Arlington is mainland Jacksonville about 11 miles from the ocean, yet Pottsburg Creek set a flood record in Irma and many homes predate today’s code. Each card covers one rule.
Homeowners Insurance
Arlington roofs built under the 2007 Florida Building Code or later can have 25% or more repaired with only the repaired section brought to current code. Older roofs may still need a full reroof.
Flood Insurance
If floodplain rules require an Arlington home near Pottsburg Creek to be elevated after a flood, NFIP Increased Cost of Compliance pays up to $30,000, counted within the $250,000 building limit.
Hurricane Coverage
Arlington homes built before 2008 can qualify for My Safe Florida Home, which pays eligible low- and moderate-income owners up to $10,000 toward opening protection and roof-to-wall connections.
Auto Insurance
After a crash on Beach Boulevard, an Arlington driver has 14 days to get initial medical care, or Florida PIP pays no medical benefits. We walk through the rest of PIP when we quote.
Condo Insurance
When a unit owner’s negligence causes damage, a Florida condo association can charge that owner the master policy deductible. For Arlington condo buyers, we read that deductible amount first.
Umbrella Insurance
If your teen causes a crash in Arlington and the other driver shares some blame, that driver still recovers unless more than 50% at fault. An umbrella adds a layer over your auto liability.
Local Answers
Arlington Flood and Code Answers
4.76 feet above mean higher high water at Beach Boulevard on September 11, 2017, the gauge’s record. Major flood stage there is 3.5 feet.
Distance to a river is one of FEMA’s Risk Rating 2.0 pricing factors, along with ground elevation and first-floor height, so creek and river lots price differently.
Yes, to 50% of the dwelling limit, which Florida insurers must offer. On a $300,000 Arlington home, that is $150,000 toward code upgrades after a loss.
Within 0.11 feet. The Beach Boulevard gauge crested at 3.39 feet on Oct. 7, 2016, just under the 3.5-foot major stage and the creek’s second-highest mark.
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