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Compare Home Insurance Agents in Fernandina Beach, FL
Browse home insurance agents serving Fernandina Beach, Florida. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 20 home insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034
(904) 261-2664
fernandinafern.com
Nassau Blue Ocean Title, LLC
2227 Sadler Rd, Fernandina Beach, FL 32034
(904) 491-4777
blueoceantitle.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Compass Group Insurance
11 S 11th St, Fernandina Beach, FL 32034
(904) 746-4648
compassgroupinsurance.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Nelson & Associates Insurance, LLC.
1890 S 14th St #301, Fernandina Beach, FL 32034
(904) 326-3288
nelsonandassociatesinsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Patriot Growth Insurance Services, LLC
911 S 8th St, Fernandina Beach, FL 32034
(904) 730-7343
shapiroinsurancegroup.com
Llerandi Insurance Group
474384 E State Rd 200, Fernandina Beach, FL 32034
(904) 310-3803
content.naic.org
Tatum Insurance Agency of Amelia Island
5317 S Fletcher Ave #3, Fernandina Beach, FL 32034
(904) 729-4575
tatumagency.com
Amelia Underwriters
117 Centre St, Fernandina Beach, FL 32034
(904) 261-2306
ameliaunderwriters.com
Farm Bureau Insurance - Fernandina Beach
1890 S 14th St Suite 301, Fernandina Beach, FL 32034
(904) 261-4355
Harper Insurance Agency Inc.
714 Beech St, Fernandina Beach, FL 32034
(904) 406-0887
harperinsuranceagencyinc.com
McGriff Insurance Services
5211 S Fletcher Ave STE 100, Fernandina Beach, FL 32034
(904) 261-9828
mcgriffinsurance.com
A & B Insurance
1471 S 8th St, Fernandina Beach, FL 32034
(904) 388-6446
aandbinsurance.com
CM SR22 Insurance Group
3321 S Fletcher Ave, Fernandina Beach, FL 32034
(855) 698-0461
cmsr22insurancegroup.com
Raulerson Insurance Group
1901 Island Walkway #113, Fernandina Beach, FL 32034
(904) 267-1585
raulersoninsurance.com
Home insurance agents in Fernandina Beach Florida help homeowners find coverage that meets state requirements. Florida law mandates that insurers offer windstorm coverage for coastal properties. Local agents understand the unique risks of living near the Atlantic Ocean and can guide you through policy options.
What Does a Home Insurance Agent in Fernandina Beach Cost?
Home insurance costs in Fernandina Beach Florida typically range from 1500 to 4000 dollars per year for a standard policy. Windstorm coverage can add 500 to 2000 dollars annually. Flood insurance through the NFIP averages around 700 to 1500 dollars per year. Actual costs depend on your home value location and coverage limits. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Fernandina Beach do?
A home insurance agent helps you compare policies from different insurance companies. They explain coverage options like windstorm and flood insurance. They also assist with filing claims and understanding your policy terms.
Do I need flood insurance in Fernandina Beach?
Flood insurance is not required by Florida state law but is often required by mortgage lenders for homes in high-risk flood zones. Fernandina Beach is a coastal community so flood risk is significant. Standard home insurance policies do not cover flood damage.
How does Florida law affect home insurance in Fernandina Beach?
Florida law requires insurers to offer windstorm coverage to coastal property owners. The Florida Building Code also affects insurance premiums by requiring stronger construction standards. Agents can explain how these laws impact your specific policy.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.