Jacksonville Insurance Agency
Comprehensive insurance for Jacksonville families and businesses. Lake City-based with deep Northeast Florida expertise.
Independent Insurance Agent Serving Jacksonville, FL
Jacksonville is Florida's largest city by land area and a major economic hub with unique insurance needs. From flood-prone neighborhoods along the St. Johns River to coastal properties facing hurricane risk, from the bustling port and logistics sector to growing healthcare and financial services industries, Jacksonville businesses and families need insurance coverage that addresses real local risks.
Greene & Associates Insurance has been protecting Northeast Florida for over 30 years. Based in Lake City and serving the greater Jacksonville metro area, we understand the insurance landscape here — FEMA flood zones, named storm deductibles, coastal construction requirements, and the coverage gaps that can leave you exposed. As an independent agency with access to 20+ carriers, we shop the market to find you the right coverage at competitive rates.
Personal Insurance in Jacksonville
Protect your home, auto, and family with coverage built for Jacksonville.
Home Insurance in Jacksonville
Jacksonville homeowners face unique risks — hurricanes, tropical storms, and widespread flood exposure from the St. Johns River and coastal proximity. Your home insurance needs to account for named storm deductibles (typically 2% to 5% of your dwelling coverage), replacement cost coverage to rebuild at today's prices, and proper liability limits.
Hurricane deductibles: Most Jacksonville home policies include separate hurricane or named storm deductibles that kick in when the National Weather Service issues a hurricane watch or warning. Unlike your standard deductible (usually $500-$2,500), hurricane deductibles are percentage-based — a home insured for $300,000 with a 2% hurricane deductible means you pay the first $6,000 of hurricane damage out of pocket.
Important: Standard home insurance does NOT cover flood damage. With much of Jacksonville in FEMA flood zones (especially Riverside, San Marco, and neighborhoods along the St. Johns), separate flood insurance is often required by lenders and essential for true protection.
Learn More About Home InsuranceAuto Insurance in Jacksonville
Florida requires all drivers to carry minimum auto insurance: $10,000 in personal injury protection (PIP) and $10,000 in property damage liability. However, these state minimums are dangerously low — a serious accident in Jacksonville can easily exceed $100,000 in damages.
Uninsured motorist coverage is critical in Jacksonville. Florida has one of the highest uninsured driver rates in the country. If you're hit by an uninsured driver and you don't have uninsured/underinsured motorist coverage, you could be stuck with medical bills and vehicle repairs out of pocket.
We recommend Jacksonville drivers carry at least $100,000/$300,000 in bodily injury liability, comprehensive and collision coverage for your vehicle, and uninsured motorist protection. We'll shop multiple carriers to find you competitive rates.
Learn More About Auto InsuranceFlood Insurance in Jacksonville
Jacksonville's proximity to the St. Johns River, coastal location, and low elevation make flood insurance essential for many homeowners. Large portions of Jacksonville — including Riverside, Avondale, San Marco, Mandarin, and waterfront areas — sit in FEMA-designated flood zones where flood insurance is required by mortgage lenders.
Even if you're not in a flood zone, flooding can happen. Over 25% of flood claims come from moderate-to-low risk areas. Heavy rain, drainage issues, and storm surge can cause flood damage anywhere. And remember: standard homeowners insurance does NOT cover flood damage.
Flood insurance is available through the National Flood Insurance Program (NFIP) or private flood carriers. Coverage typically includes your building and contents (personal belongings). Premiums vary based on your flood zone, elevation, and coverage limits. We can help you understand your flood risk and find affordable coverage.
Learn More About Flood InsuranceBusiness Insurance in Jacksonville
Protect your Jacksonville business with comprehensive commercial coverage.
Jacksonville's diverse economy — from the port and logistics sector to healthcare, financial services, construction, and hospitality — creates varied insurance needs. Whether you're a contractor bidding on jobs, a restaurant owner on the Southbank, a medical practice in San Marco, or a trucking company serving JAXPORT, the right commercial insurance protects your business, your employees, and your livelihood.
Jacksonville Industries We Serve
- Construction & Contractors: HVAC, electrical, plumbing, site prep, grading, excavation, and general contracting. Jacksonville's construction boom means high demand for properly insured trades.
- Logistics & Trucking: With JAXPORT as a major auto import hub and I-95/I-10 intersection, Jacksonville is a logistics hotspot. Commercial auto, cargo insurance, and liability coverage are essential.
- Healthcare & Medical: Jacksonville is a healthcare hub with Mayo Clinic, Baptist Health, and UF Health. Medical practices need professional liability (malpractice), general liability, and cyber coverage.
- Restaurants & Hospitality: From downtown to the beaches, Jacksonville's restaurant scene is thriving. Restaurants need general liability, liquor liability (if serving alcohol), workers comp, and property coverage.
- Retail & Professional Services: Business owners policies (BOPs) bundle property and liability for small businesses at cost-effective rates.
Jacksonville Commercial Coverage
General Liability Insurance
Protects Jacksonville businesses from third-party claims for bodily injury, property damage, and advertising injury. Essential for contractors, retailers, and service businesses. Most general contractors and clients require $1M/$2M coverage before you can work.
Workers Compensation
Florida law requires workers comp for construction businesses with 1+ employees and most other businesses with 4+ employees. Covers medical expenses and lost wages for work-related injuries. Penalties for non-compliance exceed $1,000 per day.
Commercial Auto Insurance
Essential for Jacksonville businesses with company vehicles, fleets, or employees driving for work. Covers liability, collision, comprehensive, and uninsured motorist. Critical for contractors, service companies, and delivery businesses.
Jacksonville Insurance by Industry
Specialized coverage for Jacksonville's key business sectors.
Why Choose Greene & Associates for Jacksonville Insurance?
Northeast Florida Expertise
We understand Jacksonville's unique insurance landscape — from St. Johns River flood zones to coastal windstorm requirements and port-related commercial risks.
Fast Quotes & Certificates
Jacksonville contractors and businesses need certificates fast. We provide same-day COIs and quotes so you can get back to work.
20+ Carriers for Best Rates
As an independent agency, we shop multiple carriers to find competitive rates for Jacksonville homes, autos, and businesses.
30+ years protecting Florida families and businesses. Lake City-based with deep expertise in Northeast Florida's insurance market. We know Jacksonville's flood zones, hurricane risks, contractor licensing requirements, and port-related commercial exposures. When you call, you get a real person who understands your local insurance challenges.
Jacksonville Insurance FAQ
What's the average home insurance cost in Jacksonville?
Home insurance costs in Jacksonville vary widely based on your home's value, age, construction type, proximity to water, and flood zone. On average, Jacksonville homeowners pay $1,800 to $3,500 per year for home insurance — higher than the national average due to Florida's hurricane risk. Coastal properties, older homes, and those in flood zones typically pay more. The best way to get an accurate quote is to contact us directly.
Do I need flood insurance in Jacksonville?
Many Jacksonville neighborhoods are in FEMA flood zones, especially areas near the St. Johns River (Riverside, San Marco, Mandarin, Ortega) and coastal communities. If you have a mortgage and your home is in a high-risk flood zone, your lender will require flood insurance. Even if you're not required to buy it, flood insurance is highly recommended — over 25% of flood claims come from moderate-to-low risk areas. Standard homeowners insurance does NOT cover flood damage, so without a separate flood policy, you're on your own if flooding occurs.
What insurance do contractors need in Jacksonville?
Jacksonville contractors typically need general liability insurance (usually $1M per occurrence / $2M aggregate), workers compensation insurance (required by Florida law if you have employees — just 1 employee for construction trades), and commercial auto insurance if you operate company vehicles. Many general contractors and property owners require proof of insurance (certificates of insurance or COIs) before allowing you on job sites. Duval County contractor licensing may also have specific insurance requirements. We can help you understand what coverage you need and provide fast COI turnaround.
Trusted Carriers We Represent
About Jacksonville, Florida
Jacksonville is Florida's most populous city and the largest city by land area in the contiguous United States. With a thriving port, strong military presence, growing healthcare sector, and diverse economy, Jacksonville is a major economic hub in Northeast Florida. The city's coastal location and proximity to the St. Johns River create unique insurance considerations for both homeowners and businesses.
Get Your Free Jacksonville Insurance Quote
Protecting Jacksonville families and businesses with comprehensive coverage from 20+ carriers. Fast quotes, expert guidance, competitive rates.