ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeHome Insurance AgentsFlorida › Fernandina Beach

Find Home Insurance Agents Near You in Fernandina Beach, FL

Browse home insurance agents serving Fernandina Beach, Florida. Updated 2026-07-14.

The top-rated home insurance agent in Fernandina Beach, Florida is Brightway Insurance, The Coastal Agency, rated 4.9 stars across 241 reviews. Other highly rated options include Brightway Insurance, The Tarzia Agency, Fernando Cevallos - State Farm Insurance Agent, Nassau Blue Ocean Title, LLC. This directory lists 20 home insurance agents serving Fernandina Beach.

Showing 20 home insurance agents in Fernandina Beach, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Brightway Insurance, The Coastal Agency5472 1st Coast Hwy Suite 12(904) 712-6300
2Brightway Insurance, The Tarzia Agency960185 Gateway Blvd STE 107(904) 491-7622
3Fernando Cevallos - State Farm Insurance Agent474418 E State Rd 200(904) 261-2664
4Nassau Blue Ocean Title, LLC2227 Sadler Rd(904) 491-4777
58 Flags Insurance Agency1411 S 14th St STE M(904) 310-6515
6Compass Group Insurance11 S 11th St(904) 746-4648
7Estrella Insurance474268 E State Rd 200(904) 432-8736
8Nelson & Associates Insurance, LLC.1890 S 14th St #301(904) 326-3288
9Amelia Insurance2384 Sadler Rd(904) 261-3606
10Morrow Insurance Group, Inc.1896 S 14th St STE 5(904) 261-0707
BI
5472 1st Coast Hwy Suite 12
Brightway Insurance, The Coastal Agency
Home Insurance Agent · Fernandina Beach, FL

Brightway Insurance, The Coastal Agency serves the Fernandina Beach area of Nassau County, offering home insurance policies for local homeowners. The agency helps clients secure coverage that protects their property against common regional risks. It assists with policy selection to match individual needs and budgets. Services include reviewing dwelling coverage limits and advising on appropriate deductibles for coastal properties. The agency handles personal property protection and liability coverage throughout the Amelia Island region.

BI
960185 Gateway Blvd STE 107
Brightway Insurance, The Tarzia Agency
Home Insurance Agent · Fernandina Beach, FL

Brightway Insurance, The Tarzia Agency provides home insurance services including policy analysis, coverage selection, and claims assistance for property owners in Fernandina Beach, Florida. It offers routine policy reviews to ensure coverage limits keep pace with changing property values and personal assets. The agency also facilitates annual plan evaluations that help customers adjust deductibles or add endorsements for specific risks. Its services cover single-family homes, apartments, retail storefronts, and locally owned restaurants throughout the area.

FC
474418 E State Rd 200
Fernando Cevallos - State Farm Insurance Agent
Home Insurance Agent · Fernandina Beach, FL

Fernando Cevallos - State Farm Insurance Agent in Fernandina Beach, FL serves homeowners, businesses, and property managers who need reliable property protection. The agency offers home insurance policies that cover dwelling damage, personal property, and liability risks common to the coastal area. Clients also receive guidance on bundling policies or adjusting deductibles to suit their budgets. In addition to serving Fernandina Beach, the agent provides coverage for the neighboring community of Yulee.

NB
2227 Sadler Rd
Nassau Blue Ocean Title, LLC
Home Insurance Agent · Fernandina Beach, FL

From its base in Fernandina Beach, FL, Nassau Blue Ocean Title, LLC serves the immediate area and surrounding communities with home insurance coverage. The company handles policies for protecting residential property and personal belongings against unforeseen damage or loss. Its approach involves assessing each client’s specific property and lifestyle needs to recommend appropriate protection levels, ensuring that coverage addresses common local weather-related risks and typical household exposures.

8F
1411 S 14th St STE M
8 Flags Insurance Agency
Home Insurance Agent · Fernandina Beach, FL

8 Flags Insurance Agency in Fernandina Beach, FL distinguishes between standard policies for once-a-year buying and ongoing protection options that adapt over time. Coverage extends to the structure and personal belongings against common local risks like storm damage and liability claims. Agents explain policy details so homeowners understand their deductibles and limits. Service is provided on an as-needed basis for policy adjustments, claims assistance, and annual renewals.

CG
11 S 11th St
Compass Group Insurance
Home Insurance Agent · Fernandina Beach, FL

Compass Group Insurance offers specialty services in homeowner policy evaluations, ensuring coverage matches local property values and risks. It provides general home insurance agent work for Fernandina Beach, Florida residents, addressing standard claims and policy adjustments for area homes. The company assists clients with the unique seasonal concern of hurricane season preparation, helping policyholders confirm adequate wind and flood protections before storms threaten the coastline.

EI
474268 E State Rd 200
Estrella Insurance
Home Insurance Agent · Fernandina Beach, FL

As coastal storms and seasonal humidity threaten homes in Fernandina Beach, Estrella Insurance provides local coverage for residential property owners. This agency specializes in Home Insurance Agent services tailored to the area's specific weather risks, including wind and flood damage. Residents seeking protection for their houses or condominiums receive guidance on standard policies and optional endorsements. Coverage discussions begin with a thorough inspection of the property to identify vulnerabilities and necessary coverage limits, culminating in an initial assessment of the home's structure and systems.

NA
1890 S 14th St #301
Nelson & Associates Insurance, LLC.
Home Insurance Agent · Fernandina Beach, FL

As hurricane season approaches in coastal Fernandina Beach, securing comprehensive home coverage is a necessity for local property owners. Nelson & Associates Insurance, LLC. specializes in navigating policies that address windstorm and flood exposure unique to this barrier island region. They evaluate a home’s structure and its surrounding flood zone to recommend appropriate limits and deductibles. After selecting a policy, the company schedules a property inspection to verify conditions before the final binder is issued.

AI
2384 Sadler Rd
Amelia Insurance
Home Insurance Agent · Fernandina Beach, FL

Amelia Insurance offers residential home insurance services to property owners in Fernandina Beach, Florida, and also provides commercial coverage for local businesses in the surrounding area. The agency works with homeowners to assess property risks and tailor policies that address common coastal concerns. After a policy is in place, clients can return for follow-up adjustments or schedule repeat service between regular visits to update their coverage as needed.

MI
1896 S 14th St STE 5
Morrow Insurance Group, Inc.
Home Insurance Agent · Fernandina Beach, FL

Morrow Insurance Group, Inc. helps property owners in Fernandina Beach manage their home insurance, protecting their dwellings against common regional risks. For broader coverage, the firm offers specialty add-ons tied to the property, such as personal liability protection, which shelters homeowners from financial exposure due to injuries or damage to others. Operating as a standard home insurance agent, its services are extended to commercial sectors that require property safeguards, including offices, warehouses, and food service establishments.

TI
5317 S Fletcher Ave #3
Tatum Insurance Agency of Amelia Island
Home Insurance Agent · Fernandina Beach, FL
(904) 729-4575
tatumagency.com
LI
474384 E State Rd 200
Llerandi Insurance Group
Home Insurance Agent · Fernandina Beach, FL
(904) 310-3803
content.naic.org
PG
911 S 8th St
Patriot Growth Insurance Services, LLC
Home Insurance Agent · Fernandina Beach, FL
(904) 730-7343
shapiroinsurancegroup.com
FB
1890 S 14th St Suite 301
Farm Bureau Insurance - Fernandina Beach
Home Insurance Agent · Fernandina Beach, FL
(904) 261-4355
AU
117 Centre St
Amelia Underwriters
Home Insurance Agent · Fernandina Beach, FL
(904) 261-2306
ameliaunderwriters.com
HI
714 Beech St
Harper Insurance Agency Inc.
Home Insurance Agent · Fernandina Beach, FL
(904) 406-0887
harperinsuranceagencyinc.com
MI
5211 S Fletcher Ave STE 100
McGriff Insurance Services
Home Insurance Agent · Fernandina Beach, FL
(904) 261-9828
mcgriffinsurance.com
BI
1471 S 8th St
A & B Insurance
Home Insurance Agent · Fernandina Beach, FL
(904) 388-6446
aandbinsurance.com
CS
3321 S Fletcher Ave
CM SR22 Insurance Group
Home Insurance Agent · Fernandina Beach, FL
(855) 698-0461
cmsr22insurancegroup.com/locations/fernandina-beach-fl
RI
1901 Island Walkway #113
Raulerson Insurance Group
Home Insurance Agent · Fernandina Beach, FL
(904) 267-1585
raulersoninsurance.com

What Does a 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.

About home insurance agents in Fernandina Beach

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.

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.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each home insurance agent's credentials and current standing with your state Department of Insurance.