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.

The average cost of homeowners insurance in St. Augustine, Florida is $2,326 per year for a $150,000 house, $4,212 per year for a $300,000 house and $6,044 for a $450,000 house. 

When you consider its location near the coast of the Atlantic Ocean and the average cost of homeowners insurance in Florida, residents of St. Augustine enjoy very affordable home insurance premiums.

While the average cost of homeowners insurance in Florida tips the scale at $2,326 per year for a $150,000 house, St. Augustine residents can pay less if their home meets a few qualifications listed below regarding wind mitigation and construction.

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the most recent rate filings from the state’s largest insurers and can be utilized as an average of what Floridians can expect to pay for homeowners insurance each year. The example premiums are based on a policy for a Florida masonry home with a $500 non-hurricane deductible, a 2% hurricane deductible and no claims in the past three years.

Take a look at the following table for St. Augustine homeowners insurance rates on $150,000 homes with and without mitigation.

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.

But even though homeowners insurance in St. Augustine may seem extremely affordable at first glance, you may have quite a bit of trouble finding a $150,000 house in the city. Like the rest of the state, the real estate market has been steadily rising. So let’s take a look at what you can expect to pay for homeowners insurance each year for a $300,000 house and a $450,000 house.

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, Florid,a 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 Universal Property & Casualty Insurance Company 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.

Although we don’t partner with State Farm in St. Augustine, which has some of the lowest homeowners insurance rates in the city, we do partner with other insurers that specialize in Florida homes. The average cost for homeowners insurance from State Farm ranges from $939 to $2,421 annually, but this will vary by policyholder.

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.

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.

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.