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When you need the best protection against the physical storms of life, Harris Insurance here for you. For over 55 years, our St. Augustine, FL homeowners insurance company has been protecting people with great coverage and important options. We pride ourselves on being able to offer you some of the lowest rates in the state for homeowners insurance.
St. Augustine Homeowners Insurance Rates
How can we offer such low rates? When you have been in the business as long as we have, it is hard to ignore how home insurance has changed over the years. There are constant changes in coverages, options, and other elements that are no longer of importance. There is too much information for most homeowners to know. Do not worry. With our experience, you only work with the very best and we ensure you have the coverages you need.
One of the first steps to finding the right homeowners insurance is to compare rates, and we know that there are discounts for many things you may not have yet considered. Our experienced St. Augustine homeowners insurance experts will guide you through the maze of coverages for your home.
What a Homeowners Insurance Policy Covers
As a fully licensed Florida home insurance carrier authorized to serve the State of Florida, we represent over 150 insurance companies to bring you the best, A-rated companies, all under one roof. We provide all types of homeowners insurance and bring you the most affordable rates you will encounter. Our commitment to you is that we work one-on-one with you until your coverage is exactly what you want and need.
Our St. Augustine homeowners insurance policies offer:
- Replacement cost coverage for your home, other structures, and your belongings.
- Loss of use coverage, which pays your additional living expenses if you are unable to live in your home during repairs.
- Personal liability coverage, which pays your legal bills if someone has been injured on your property or you cause them property damage.
- Medical payments coverage, which helps with medical bills if needed.
Homeowners insurance does NOT automatically cover flooding. Flood coverage is an option you can pick up separately. We understand what your home means to you, and we appreciate that everyone has different needs and requirements. It does not matter if your home is your primary residence or if you use it as a second home, our team of St. Augustine homeowners insurance agents will offer you a comprehensive policy designed to meet your unique needs.
As the trusted choice for Florida’s Homeowner Insurance, we offer policies to protect every unique Florida property & homeowner:
Our Policies Protect Every Florida Property
Condominium Coverages. If you live in a condo unit, it is your association's responsibility to protect all of the commonly owned property, but your unit needs its own liability and property insurance. Our condominium owners policy works just like a homeowners policy – it covers loss of use, loss of belongings, and other options you may want to consider.
You need condominium insurance for any number of reasons:
- Belongings are often damaged. Everything inside your condo unit is your responsibility. Whether you have a fire or a burglary, you are responsible for having secured homeowners insurance that will allow you to replace everything in your St. Augustine condo.
- Someone may be injured while staying at your condo unit. Bodily injury and property damage happen every day. Be prepared for common but not unheard-of incidents with a policy that has you covered.
- You may not be able to live in your unit due to damage. A fire or some other mishap may have you seeking an additional living space. Appropriate condominium coverage will cover your living expenses elsewhere while your unit is being repaired.
Renters Insurance. You may be renting a home, apartment, condo, or something else, but you still need insurance coverage. If your belongings are damaged, they cost money to replace them. Do not be without renters insurance. Our renters insurance policies are written with St. Augustine renters in mind every day.
Landlord Insurance Dwelling Policy. If investment properties are a source of revenue, we know how important your properties are to you as a landlord. When a dwelling is damaged, we understand that you need to know you are protected. Our property and liability lines of coverage are clear and comprehensive, meaning that your worries are over. As a landlord, you have many options to consider, so let our property insurance experts lend a hand in helping you choose what is right for you.
Florida Homeowners Insurance Options to Consider
Let’s take a walk through some of the various options and discounts for homeowners insurance from which you can choose:
Jewelry, Guns, Fine Art Collections. Protect your most valuable possessions with specialized coverages. Items such as these are common targets for thieves, so it is worth having the extra protection your fine items deserve.
Flood Insurance. You may want to consider a flood option, even if you do not live in a declared flood zone. Most homes that flood from storms are in “preferred” flood zones.
Equipment Breakdown. Tired of parting with your money every time an appliance breaks down? Be protected for all of your TVs, HVAC systems, and other appliances for a minimal yearly charge.
Ordinance & Law. This type of coverage is already included in most homeowners policies. For a small charge, however, you may increase this protection. Contact us for advice so that, in the event of a catastrophe, you will not be caught unaware due to changes in laws and codes.
Water Damage. Storms are inevitable in Florida. We offer the protection against not only storm damage, but any water damage to your property.
Other options to consider include animal liability, non-smoker discounts, military discounts, gated/guarded community discounts, wind mitigation discounts, senior discounts, refrigerated personal property, identity theft, screened enclosures and so much more.
Living in the beautiful state of Florida can be a treat every day. Protect your home and family with our homeowners insurance coverages in St. Augustine. We stand ready to help you right now. As the largest broker of insurance in the Florida Panhandle, our rates and experience are hard to beat.
In these challenging times, you want experience you can rely on. Our trusted insurance companies and experienced agents give you this every day. Let one of our Harris Insurance professionals speak with you today about keeping you and your Florida property safe.
Ordinance and Law
O&L is included but you may wish to increase coverage for a nominal charge. Laws and codes continually change for rebuilding after catastrophes.
Available at 25% to 50% of home original value
Water Back-up
Water and sewage rising up through toilets and drains can cause significant expense . (1 inch water damage can equal $25,000 worth of damage)!
$25,000 coverage runs around $25.
Water Damage
After storms, water damage is the cause of more claims than any other. The smallest leak or failure can flood your home in minutes. Be sure you have adequate coverage and most importantly, know the protection you have. Not all policies respond the same.
Screened Enclosures
Are you properly protected? Most insurance companies have changed how they address coverage specific to screened enclosures. If you have a large enclosure, be sure you understand how your policy will respond.
Service Line
Protects you from unexpected expenses for water, sewer, electric and other service lines that run above or underground to your residence. When there’s a problem with these lines it’s very expensive and disruptive not only to the service but also to your landscape. $10,000 usually runs around $40 annually.
Personal Injury
In the internet age of posting messages online, personal injury is a must. Even the allegation of libel or slander can cost you thousands. This protection runs as little as $15/year.
Refrigerated Personal Property
Most usually have several hundred dollars’ worth of goods in their refrigerator and freezer at any given time. You can insure the value of this investment for as little as $10-15/year.
Animal Liability
NOT just for dog bites! What if your pet gets out and causes an auto accident? Anything that happens involving your pet can have ramifications. Be sure to protect yourself by adding the valuable coverage.
$25,000-$50,000 coverage is only around $50.
Jewelry, Guns, Fine Art Collections
High value items are the target of theft. You can protect your valuables by adding this special coverage or adding a secondary policy that can protect even against mysterious disappearance. A current appraisal is all we need to get you protected.
Identity Theft
CNBC reports seniors lose at least $37 Billion every year to fraud. Get an ID theft resolution option for a surprisingly low annual cost.
Golf Cart Liability
If you own a golf cart, you need this coverage extension to protect against any bodily injury or property damage.
Equipment Breakdown
Protect your important home systems from breakdown or mechanical failure. HVAC units, appliances, TVs, even garage door openers are covered! $50,000 is usually around $50.
Hurricane Deductible
Flood
NOT in a flood zone? Neither are the majority of homes in America that experience flooding. The statistics are even higher in Florida.
Please consider a flood policy and let your agent share your options.
Facts about St. Augustine
The Ancient City, St. Augustine is famous for being the oldest continuously inhabited city in the United States. Originally founded in 1565 by the Spanish, St. Augustine has some of the richest history of any city in the country. You can visit many of the churches that were originally established back in the 16th century. You can also see the Castillo de San Marcos, the oldest masonry fort in the United States. If you are a history buff, you will absolutely fall in love with the city of St. Augustine.
However, the city does have a lot more to offer than just historical sites. St. Augustine is also home to the World Golf Hall of Fame, Anastasia State Park, the St. Augustine Pirate & Treasure Museum, and the St. Augustine Amphitheater, which has been the site of concerts for some of the biggest bands in the history of music. If you get really bold, you can try to go on the same voyage as Spanish explorer Ponce de Leon and try to find the fabled Fountain of Youth rumored to be located somewhere near the city. No matter if you love history, or just want to live in a nice little community, St. Augustine is a great place to visit or call home.
Harris Insurance is a licensed insurance brokerage firm authorized to serve throughout the State of Florida. We are a full-service insurance provider since 1965. We represent more than 150 insurance companies in order to bring the most reputable, "A" rated, insurance companies under one roof to provide comprehensive solutions for your insurance needs.
Home insurance in Florida has changed a lot over the years: vital coverages are now optional, have been limited, or are eliminated altogether depending upon the company. Because of these changes, it is crucial to do business with experienced agents and a company you can trust.
We can provide all kinds of insurance policies including Homeowners Insurance from a variety of companies with multiple rates. Our agents work hard to bring you the most competitive & comparative rates in the industry. We will work with you one-on-one to ensure your complete satisfaction.
