Homeowners Insurance in St. Augustine, Florida
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- Homeowners Insurance in St. Augustine, Florida
Known for its breathtaking 16th-century Spanish architecture that includes the Castillo de San Marco fort and the newer St. Augustine Lighthouse, St. Augustine is old Florida at its finest. While St. Augustine remains one of the most popular tourist destinations in Florida, more than 15,000 residents call the city home.
If you own a house in the city, let’s take a look at what homeowners insurance in St. Augustine, Florida, covers, how much you can expect to pay and where to get the best prices on your premiums.
Average Cost of Home Insurance in St. Augustine, Florida
The average cost of home insurance in St. Augustine, Florida is about $1,857 annually, or about 36% below average rate in the state of about $2,924 annually.
When you consider its location near the coast of the Atlantic Ocean and the average cost of home insurance in Florida, residents of St. Augustine enjoy very affordable home insurance premiums.
Average Annual Rates for Home Insurance in St. Augustine, Florida by Company | |
Company | Average Premium |
Citizens | $1,754 |
American Platinum | $1,785 |
Swyfft | $2,970 |
Average | $1,857 |
One of the main factors for the affordable homeowners insurance rates is that St. Augustine doesn’t face the same destructive risks from hurricanes and heavy winds as much of the state. The northern part of Florida is one of the least hurricane-prone places in the state due to its unique location that funnels hurricane winds northward to Georgia and the Carolinas.
The averages represented in the table above are just that – averages. Rates for home insurance in St. Augustine are determined using several factors about you, your home, your location, and your policy. However, throughout Florida, your home’s age and wind mitigation features are some of the main determinants of your premiums.
Older homes, those built over 20 years ago, weren’t built to the codes in place today to help mitigate wind risk. Instead, these homes are susceptible to damage from high winds because many of the materials aren’t water or wind-resistant. However, those in older homes can install wind mitigation features, like impact-resistant doors and windows, hip roofs, and water-resistant seals to fortify their homes from damage.
Having wind mitigation features on your home may drastically reduce your premiums. While older homes without wind mitigation features may be expensive to insure, older homes that pass a wind mitigation inspection or new homes built up to the latest codes may be eligible for low rates on their home insurance premiums.

It’s Time to Switch Your Homeowners Insurance
We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
Insurance Companies in St. Augustine, Florida
While there are many St. Augustine insurance companies to choose from, only Clovered allows you to choose from all of them at the same time. We’ve partnered with the top insurance companies in St. Augustine, Florida so we can provide you with the best rates and the best policy possible.
Our online multi-rater tool analyzes your home’s information to find the best policy for you. As a licensed insurance agent in Florida, we partner with the city’s top insurers like Citizens and American Platinum so you can get a quote online in minutes.
While a policy from Citizens may be among the cheapest in the city, the state-run insurance is relegated for those homeowners with lower value homes and who may not be able to secure a policy from other insurers.
State Farm in St. Augustine, Florida
Although we don’t partner with State Farm in St. Augustine, we do partner with other insurers that specialize in Florida homes. The average cost for homeowners insurance from State Farm will vary by policyholder, but this may be the best insurer for your needs should they have rates within your budget.
What Does Home Insurance in St. Augustine Cover?
Home insurance in St. Augustine covers a multitude of unexpected events like fires, hurricanes, tornadoes, water damage and other unexpected and unpredictable perils. But a policy doesn’t just protect your house.
Homeowners insurance in St. Augustine covers your personal belongings, a number of other structures on your property, medical expenses if someone is injured on your property and liability coverage for injuries and lawsuits that you may be liable for. Let’s take a deeper dive into all the coverages you get with a homeowners insurance policy.
St. Augustine Homeowners Insurance Coverages | |
Coverage | Definition |
Dwelling Coverage | Dwelling coverage covers your home’s physical structure and components, such as the roof, walls, patios, flooring, pipes, and more. |
Other Structures Coverage | Other structures coverage covers permanent features on your property that aren’t attached to the main house, including sheds, fences, detached garages, and pools. |
Personal Property Coverage | Personal property coverage covers your possessions, like furniture, clothing, electronics, and jewelry, from theft and damage. |
Loss of Use Coverage | Loss of use coverage covers living expenses you’d incur if your home suffers major damage that forces you to move out temporarily. Your insurer can cover lodging, gas, and groceries while repairs are made. |
Liability Coverage | Liability coverage covers your finances if you’re found liable in a lawsuit. Your insurer can cover medical bills for injured parties, legal fees, and more. |
Medical Payments Coverage | Medical payments coverage covers minor medical expenses if someone gets hurt on your property, regardless of fault. |
While homeowners insurance covers several perils, flooding, which is an issue in St. Augustine, is excluded by default. If you’re concerned about flood damage, you’d need a separate flood insurance policy.
How to Get a Quote for Homeowners Insurance in St. Augustine, Florida
Getting a homeowners insurance quote can be completed in just minutes using our intuitive online quoting tool. Simply answer a few questions about your home, we’ll account for all the additional factors in the background and we’ll provide you with some quotes in minutes.
If you have any questions along the way, our live-chat feature where you can talk to our in-house licensed agents is an excellent option. But if you want to go old-school, we completely understand! We’re at the intersection of technology and real people, so you can reach an agent by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or by emailing us anytime at agent@clovered.com.

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.