The top-rated home insurance agent in Middleburg, Florida is Katherine Baustert - State Farm Insurance Agent, rated 4.9 stars across 307 reviews. Other highly rated options include Rich Morris - State Farm Insurance Agent, Felisha Foote: Allstate Insurance, Brightway Insurance, The Herd Agency. This directory lists 12 home insurance agents serving Middleburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Katherine Baustert - State Farm Insurance Agent | 2219 County Rd 220 Suite 301 | (904) 276-2112 |
| 2 | Rich Morris - State Farm Insurance Agent | 2067 Palmetto St | (904) 282-9898 |
| 3 | Felisha Foote: Allstate Insurance | 2640 Blanding Blvd Ste 206 | (904) 406-7838 |
| 4 | Brightway Insurance, The Herd Agency | 14 Swimming Pen Dr Suite 2 | (904) 469-1900 |
| 5 | Brightway Insurance - Middleburg | 2755 Blanding Blvd Ste. 110 | (904) 291-4663 |
| 6 | Liberty DSI | 1646 Corsair Ln #601 | (904) 264-0500 |
| 7 | Roberts Insurance of Middleburg | 2361 Blanding Blvd | (904) 282-7665 |
| 8 | Jenny Lynne & Co | 4213 Co Rd 218 | (904) 291-3655 |
| 9 | Lyndel Hale Agency - Insurance | 2751 Blanding Blvd Suite 106 | (352) 612-4154 |
| 10 | Erwin Insurance Agency | 2494 Blanding Blvd #9 | (904) 282-7212 |
Katherine Baustert - State Farm Insurance Agent serves the Middleburg, Florida, area and the broader Clay County region. The agency provides home insurance policies designed to protect residential properties from common local risks. It also offers personal insurance solutions to help safeguard homeowners’ belongings and financial stability. Clients can obtain guidance for covering dwellings, other structures, liability, and additional living expenses during a covered loss. The agency specifically handles tailoring homeowners policies and advising on flood insurance options for this area.
Rich Morris - State Farm Insurance Agent in Middleburg, FL, provides home insurance coverage that protects against common perils such as fire, theft, and weather damage. The agency assists clients in selecting appropriate policies and offers annual policy reviews to ensure coverage remains suitable as circumstances change. Service plans include guidance on filing claims and understanding policy terms. This office services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants in the local area.
Felisha Foote: Allstate Insurance serves homeowners in Middleburg, Florida, by offering tailored home insurance policies that protect dwellings and personal property against common regional risks such as storms and fire. The agency helps clients choose appropriate coverage limits and deductibles while explaining policy details clearly. Residents seeking reliable protection for their most valuable asset can consult this local agent for personalized service and claims assistance. The agency also extends its coverage and support to homeowners living in nearby Orange Park.
Brightway Insurance, The Herd Agency serves Middleburg, Florida, and the surrounding communities in Clay County. It handles home insurance policies that cover the dwelling, personal property, and liability for local homeowners. The agency works with multiple carriers to provide options tailored to different property types and budgets. For a typical job, it reviews the specific risks of the home and recommends a policy with appropriate coverage limits and deductible options.
Unlike auto or health insurance, which adjusts annually, home insurance policies are typically renewed on a year-to-year basis with each term covering a specific time frame. Brightway Insurance - Middleburg assists homeowners in Middleburg, FL with bundling property and liability coverage into a single plan. Their agents review policy limits, deductibles, and excluded perils during renewal periods. Service for new policies and modifications runs primarily on an as-needed basis, with annual renewal reviews handled on a scheduled timeline.
Liberty DSI is known for providing home insurance coverage in the Middleburg, Florida area and helping local homeowners protect their properties. Its service range includes evaluating dwelling policies, personal liability, and contents coverage to suit individual needs. Agents in this region typically focus on matching policies with the unique weather and structure risks found in northeast Florida. As a specialty service, the agency can assist in adding flood or windstorm endorsements to standard home insurance plans.
Roberts Insurance of Middleburg specializes in tailoring homeowners policies to cover the unique risks of single-family properties, mobile homes, and rental dwellings in the Middleburg area. It also handles routine policy reviews and claims assistance for clients. The agency evaluates coverage needs against local weather patterns and flood zone maps. For residents, it can adjust deductibles and policy limits before the start of the Atlantic hurricane season each June, a critical period for property protection in this region.
As hurricane season approaches Middleburg, Jenny Lynne & Co assists local homeowners in reviewing their disaster coverage to ensure policies reflect current property values. The agency focuses on matching home insurance plans to the specific risks of Northeast Florida, including storm surge and flood exposure from nearby tributaries. They guide clients through understanding deductibles and replacement cost versus actual cash value. An initial assessment of your home's construction and location is scheduled to identify precise coverage needs.
Lyndel Hale Agency – Insurance provides residential home insurance services to property owners in Middleburg, Florida, helping to protect dwellings and personal belongings from common regional risks. The agency also offers commercial insurance coverage for local businesses, and its service area extends throughout the surrounding Clay County communities. Policies are reviewed carefully to align coverage with each client’s individual property needs. Between regular visits, the agency follows up to verify ongoing coverage or adjust plans as circumstances change over time.
Erwin Insurance Agency provides guidance on insurance protection for single-family homes and local rental properties in Middleburg, FL. Their work includes supplementing standard coverage with policy add-ons such as extended replacement cost, water backup from sewers or drains, and personal property replacement cost endorsements. This independent agency can also assist with tailored policies for food service operations, small retail stores, professional offices, and commercial warehouses.
What Does a a Home Insurance Agent in Middleburg Cost?
The average cost of home insurance in Florida is around $2,000 to $4,000 per year for a typical single family home. In Middleburg, rates vary based on your home age, construction type, and distance from the coast. Older homes or those with older roofs may cost more to insure. This is general information and not insurance advice.
About home insurance agents in Middleburg
Home insurance agents in Middleburg Florida help residents find coverage for their homes. Florida law requires specific windstorm and flood coverage in many areas. Agents can explain how local risks like hurricanes and sinkholes affect your policy options.
Frequently Asked Questions
What does a home insurance agent in Middleburg do?
A home insurance agent helps you compare policies from different companies. They explain coverage types like dwelling protection and personal property. They also guide you on Florida specific requirements such as wind mitigation inspections.
Is flood insurance required in Middleburg Florida?
Flood insurance is not required by state law but may be required by your mortgage lender if you are in a flood zone. Many Middleburg properties are in flood prone areas near Black Creek. An agent can help you find a flood policy through the National Flood Insurance Program or a private carrier.
How can a home insurance agent help with hurricane coverage in Florida?
An agent can explain the Florida Hurricane Catastrophe Fund and how it affects your premium. They can also help you choose deductibles for wind and hurricane damage. Florida law mandates a separate hurricane deductible which is usually 2 percent to 5 percent of your home value.
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