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St. Johns Insurance Company

St. Johns Insurance Florida

St. Johns Insurance Company arrived on the scene in 2003, showcasing a seasoned managerial team racking up twenty-nine years of service in the industry between them. The company is based in Orlando, Florida, and is a privately owned organization specializing in homeowner’s insurance products/services. St. Johns Holding Company is the owner, and St. James Insurance Group is the major stockholder (underwriters of homeowner’s policies since 1984). This team’s commitment to offering quality to its customers has made it among the most popular in Florida. You want quality when it comes to protecting your dwelling. This is your biggest, most prized, most costly asset. Before you dive on in with St. Johns Insurance, be sure to review these factors. By doing so, you can ensure this company is the best fit for you and your needs.


Financial Stability

You need to know the company will be in business for your needs. Demotech, Inc., is responsible for ranking insurance companies based on their security. For St. Johns Insurance Company, Demotech gave them an A, an excellent rating. So put, this company is financially stable.



It’s essential to find out if the company focuses on your need, e.g., homeowner’s insurance, or if it is just one area they offer insurance for. If they insure many different types of things, they aren’t experts in any one thing. With St. Johns, their specialty is homeowner’s insurance. They have a lot of experience in the insurance world and can provide whatever policy type you need.



St.Johns has a good reputation for handling fair claims and having fantastic customer support. Always make sure you read reviews left by customers. That way, you can know 100% if St.Johns is the company for you and your needs.



The cost will not ultimately be your deciding factor, but it is something you will consider with your decision. You don’t want to go based on price to get the cheapest company out there because you lose standards. Luckily you can find reasonable rates right here with St. Johns.


Products And Services Offered.


St. Johns Insurance Company offers a standard H03 homeowner’s policy and a standard H06 condo policy. With these programs, there are optional ‘endorsements’ which are upgrades you can add to the plans. This cSo company has your back regardless of the type of coverage you need.


For Both Homeowners And Condo plans:


  • Replacement Cost Coverage On Contents
  • Scheduled Personal Property
  • Increased Ordinance and Law Coverage
  • Identity Theft Expense Coverage
  • Personal Injury Coverage


And For The Condo Plans Only:


  • Increased Loss Assessment Coverage
  • Unit Owner’s Coverage A – Special Coverage


These optional endorsements are available under either the Shield or Shield + plans with St. Johns. These are plans that offer coverage on more items within the home than that of the basic program. So the Shield provides more than the basic, and the Shield + offers even more than the Shield.


The H03 Homeowner’s Plan:


  • Dwelling limits. Coverage at 100,000 to a max of 2,000,00.
  • Other structure limits. 2% standard of coverage A with a max of 25%
  • Contents limits. At a standard max of 50% of coverage A.
  • Personal liability limits. 100,000. 300,000. 500,000.
  • Base deductible. All other perils – $1,000.
  • Hurricane – 2% (when the wind coverage will be included)



The H06 Condo Plan:


  • Additions/Alterations  Coverage at 5,000 to 150,000 max
  • Contents limits 25,000 to 300,000 max
  • Personal liability limits  100,000, 300,000, 500,000
  • Base deductible  All other perils  $1,000
  • Hurricane – 2% (when the wind coverage will be included)


Florida Dwelling Fire Policy is Offered:


  • Coverage at 75,000 to 1,000,000 max
  • Base deductible $500



Equipment Breakdown Coverage:


This is something that St. Johns offers, which is a plan that most homeowner’s insurance plans don’t. It goes over and above by covering appliances and equipment that you would find standard in a technologically-advanced ‘smart’ home, e.g., computers, plasma television, central air/heating, pool or spa, and any equipment that you can think of that would pertain to essential household systems or personal properties. So this would be less expensive than the warranties you obtain from the manufacturers of the products.


  • Coverage at 50,000 max per occurrence
  • Base deductible $500
  • Annual premium $50



Personal Umbrella Liability Policy:


A policy provides coverage that goes over and above the limits of the homeowner’s and the condo plans. So it protects you from any lawsuit resulting from someone having an accident on your property or a fall. It’s available to all folks with a primary residence policy with St. Johns. Coverage is available at 1,000,000 or 2,000,000.


Identity Theft Coverage:


You don’t see this often, so it stood out among the homeowner’s policy information. This insurance company offers a plan to handle your identity theft for you. They will take the entire process with an identity theft kit they send you.


  • $25,000 limit for the expenses as they pertain to identity theft and the ID fraud
  • $25 per year premium


They will cover $1,000 per week for up to five weeks of lost wages. It covers any loan application fees you need to take out and legal fees you would need to get consent for. They will help you defend lawsuits, remove criminal or civil judgments entered wrongfully, challenge your credit report and smaller items like notary expenses or certified letters, and use your phone. That is truly amazing.

Conclusion On The St. Johns Insurance Company

When you want to find a good insurance company, St. Johns Insurance Company has their customer’s best interests at heart. This company is professional, boasts an excellent financial rating, and can provide you with any coverage. So what more do you need?

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