Our Products

St. Johns offers a standard and preferred homeowners program (HO-3) and a condominium owners product (HO-6). Our underwriting appetite makes us an ideal market for homes valued anywhere from $80,000 - $750,000.

Dwellings are written on a replacement cost basis* with optional replacement cost coverage on contents. Liability limits of up to $500,000 are available. Clients with homes that comply with the standards of the Florida Building Code and/or have protective devices may qualify for additional credits.

St. Johns offers three payment options. A $25 policy fee and $2 EMPA fee are added to the first installment. Payment options include:

• Semi-annual (minimum premium $750) - 50% down with the balance due in 60 days with a $3 payment fee per installment
• Quarterly (minimum premium $1,200) - 25% down with the remaining quarterly installments due at 60-, 120- and 180-day intervals with a $3 payment fee per installment
• Full payment - full payment of gross annual premium plus all policy fees at policy inception

*Providing the limit of insurance meets policy conditions and provisions.