Shield and Shield+
The St. Johns Shield and St. Johns Shield+ offer policyholders broader protection and higher coverage limits all packaged into a single endorsement at a discounted premium. The following chart illustrates the advantages provided by the St. Johns Shield and St. Johns Shield+ endorsements over the basic policy coverage. To get additional information or a quote please contact your local St. Johns agent.
These endorsements are only available on Florida Homeowners (HO3) policies.
| Coverage |
Basic Policy |
St. Johns Shield |
St. Johns Shield + |
| Personal Property Replacement Cost |
Available by Endorsement |
Included |
Included |
Special Personal
Property Coverage
(Open Perils) |
Not Available |
Not Included |
Included |
| Loss Assessment |
$1,000 Total Limit |
$5,000 Total Limit |
$10,000 Total Limit |
Water Back-up and
Sump Overflow |
Available by Endorsement |
Included |
Included |
| Personal Injury |
Available by Endorsement |
Included |
Included |
Coverage C -
Personal Property |
50% of Dwelling Limit |
75% of Dwelling Limit |
75% of Dwelling Limit |
Coverage C -
Increased Special
Limits |
$200 |
$750 |
$1,000 |
| Securities |
$1,000 |
$2,500 |
$5,000 |
| Watercraft/Trailers |
$1,000 |
$3,000 |
$5,000 |
| Theft of Jewelry |
$1,000 |
$3,000 |
$5,000 |
| Theft of Firearms |
$2,000 |
$3,000 |
$5,000 |
| Theft of Silverware |
$2,000 |
$3,000 |
$5,000 |
| On Premises Business Property |
$2,500 |
$5,000 |
$10,000 |
| Off Premises Business Property |
$250 |
$1,000 |
$1,000 |
Coverage D –
Loss of Use |
10% of Dwelling Limit |
20% of Dwelling Limit |
20% of Dwelling Limit |
Coverage D –
Loss of Use Due to
Off Premises
Power Stoppage |
Not Available |
Included |
Included |
| Identity Theft |
Available by Endorsement |
Not Included |
Included |
Fire Department
Service Charge |
$500 |
$750 |
$1,000 |
| Credit Card Forgery |
$500 |
$5,000 |
$10,000 |
| Lock Replacement |
Not Available |
$250 |
$500 |
| Refrigerated Property Coverage |
Not Available |
Not Available |
$500 |
Coverage E –
Personal Liability |
$100,000 |
$300,000 |
$500,000 |
Coverage F –
Medical Payments |
$1,000 |
$5,000 |
$5,000 |
Coverage E and
Coverage F –
Outboard Watercraft |
25 Horsepower |
50 Horsepower |
50 Horsepower |