St. Augustine Homeowners Insurance

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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 Homeowners Insurance in St. Augustine, Florida

The average cost of homeowners insurance in St. Augustine, Florida is $1,785 per year for a $150,000 house, $3,088 per year for a $300,000 house and $4,103 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.

Average Cost of Homeowners Insurance in St. Augustine for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

$150,000 House

$1,622
$1,015
$2,072
$1,831
$1,621
$2,081
$1,791
$1,497
$1,785

$300,000 House

$2,848
$1,781
$3,638
$3,214
$2,848
$3,652
$3,145
$2,628
$3,088

$450,000 House

$3,929
$2,455
$5,024
$4,435
$3,899
$5,047
$4,319
$3,634
$4,103

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.

Florida Office of Insurance Regulation Premium Consideration Factors

The premiums displayed in this article were obtained by the Florida Office of Insurance Regulation. They represent the 2022 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.

Pre-2001 Construction w/ Wind Mitigation

This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for maximum wind mitigation features.

Pre-2001 Construction w/ No Wind Mitigation

This risk is for a Florida masonry home with a current replacement value of $150,000, a $500 non-hurricane deductible, a 2% hurricane deductible, and no claims in the past three years. Premium examples are shown for no wind mitigation features.

2001-Present Construction

This risk is for a Florida masonry home with a current replacement value of $300,000, a $500 non-hurricane deductible, a 2% hurricane deductible, no claims in the past three years, and minimum premium discounts for limited wind mitigation features and no hip roof.

*Wind Mitigation

A wind mitigation is any protection on your home that helps decrease the damage caused by strong winds like a hurricane. This can include certain roof attachments and coverings, extra water-resistant seals and impact-resistant doors and windows. Wind mitigations typically result in deep discounts on your home insurance premiums, so you’ll want to get one.

While the average cost of homeowners insurance in Florida tips the scale at $2,533 per year for a $150,000 house, St. Augustine residents can pay half that or even less if their home meets a few qualifications listed below.

$150,000 House in St. Augustine for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$2,149
$1,429
$3,326
$2,386
$1,836
$2,898
$2,141
$2,328
$2,539

Pre-2001 w/ Wind

$1,398
$762
$1,252
$1,617
$1,418
$1,728
$1,587
$1,025
$1,435

2001-Present

$1,320
$853
$1,639
$1,490
$1,610
$1,616
$1,644
$1,139
$1,380

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.

$300,000 House in St. Augustine for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$3,761
$2,501
$5,821
$4,176
$3,213
$5,072
$3,747
$4,074
$4,387

Pre-2001 w/ Wind

$2,447
$1,334
$2,191
$2,830
$2,482
$3,024
$2,777
$1,794
$2,484

2001-Present

$2,336
$1,510
$2,901
$2,638
$2,850
$2,860
$2,910
$2,016
$2,392

$450,000 House in St. Augustine for 2022

Company

ASI
Citizens
FedNat
Florida Penn
Liberty Mutual
People’s Trust
State Farm
Universal Property
Average

Pre-2001 No Wind

$5,373
$3,573
$8,315
$5,965
$4,590
$7,245
$5,353
$5,820
$5,972

Pre-2001 w/ Wind

$3,495
$1,905
$3,130
$4,043
$3,545
$4,320
$3,968
$2,563
$3,469

2001-Present

$2,920
$1,888
$3,626
$3,298
$3,563
$3,575
$3,638
$2,520
$2,905

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, FedNat, Florida Penn, People’s Trust and Universal Property & Casualty Insurance Company so you can get a quote online in minutes.

While a policy from Citizens is likely to be 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.

Universal Property & Casualty Insurance Company is one of the cheapest options for home insurance in St. Augustine. They’re followed by Florida Penn and FedNat for the city’s most affordable policies.

State Farm in St. Augustine, Florida

Although we don’t partner with State Farm in St. Augustine, which has some of the highest 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 is $1,587 per year for a $150,000 home, which is one of the highest of the state’s top eight insurers.

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.

Dwelling Coverage

Covers your home’s structure and the things that help create it, including the fireplace, windows, doors and flooring.

Other Structures Coverage

Covers structures on your property not attached to your house, such as a fence, detached garage, carport or shed.

Personal Property Coverage

Covers the personal belongings you keep inside or on your property, such as a TV, electronics, lawnmower and clothes.

Loss of Use Coverage

Reimburses you for additional living expenses if you’re forced to move from your home while it’s being rebuilt or repaired.

Medical Payments Coverage

Utilized to pay for small medical bills if someone was injured on your property, whether you’re at fault or not.

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.

Homeowners
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.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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