Save On Home Insurance in Fernandina Beach, FL | TGS Insurance Agency

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Homeowners Insurance  »  Florida  »  

Fernandina Beach

Experience Effortless Insurance with TGS: We Do the Work, You Reap the Savings

 

As a leading independent agency, TGS Insurance Agency partners with over 55 top-rated insurance carriers to provide you with a wide array of comprehensive insurance options tailored to your needs. Our mission is to simplify the home insurance shopping process by doing the heavy lifting for you. Our highly qualified agents work diligently to ensure you get the best coverage at the best price, starting with an instant, free quote. From there, our agents customize your policy and uncover all possible discounts, making it easy and stress-free. With TGS Insurance Agency, you can rest assured that your home is protected while you enjoy significant savings. 

We shop. You save. Yes, it really is that easy.

Basic Home Insurance Coverages in Fernandina Beach, Florida

 

Here’s a quick guide to the six essential coverages in a Fernandina Beach, Florida home insurance policy:

  1. Dwelling Coverage
    • Repairs or rebuilds your home if damaged by events like fire or storms.
  2. Other Structures Coverage
    • Protects structures like detached garages and fences.
  3. Personal Property Coverage
    • Covers your belongings if they’re stolen or damaged.
  4. Loss of Use Coverage
    • Pays for extra living costs if your home is uninhabitable.
  5. Personal Liability Coverage
    • Covers costs if you’re responsible for someone’s injury or property damage.
  6. Medical Payments Coverage
    • Pays for medical bills if a guest is injured on your property.

Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Fernandina Beach.

What’s the Cost of Home Insurance in Fernandina Beach?

 

Typically, TGS clients in Fernandina Beach spend around $2,053 annually for home insurance. Insurance premiums are influenced by various elements, such as the age and value of your home, its location, your credit history, and the extent of coverage you choose. This figure is calculated for policies covering homes valued at approximately $374,690 and includes windstorm and hail protection with a 2% deductible. At TGS Insurance Agency, we offer flexible insurance solutions tailored to your needs, ensuring you get the coverage you want at a price you’re comfortable with. Start by obtaining a free, instant home insurance quote by entering your address above.

Average Homeowners Insurance Costs by Coverage Level in Fernandina Beach

Determining the cost of replacing your home is crucial for setting the appropriate dwelling coverage limit on your home insurance policy. This limit directly influences your insurance premium. Accurate replacement cost estimates not only affect your annual premium but also help prevent underinsurance in the event of a total loss. Below, you’ll find the average annual home insurance costs in Fernandina Beach, Florida, based on different dwelling coverage levels specified in the policy.

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$2,045
$200,000.00 - $299,999.00$1,792
$300,000.00 - $399,999.00$1,985
$400,000.00 - $499,999.00$2,112
$500,000.00 - $599,999.00$2,503
$600,000.00 - $699,999.00$3,337
$700,000.00 - $799,999.00$3,724

Fernandina Beach Home Insurance Cost By Home Age

Home insurance rates can vary significantly based on the age of the home due to several factors. Older homes often come with higher insurance premiums because they may have outdated electrical, plumbing, and heating systems that pose more significant risks for fires, water damage, and other hazards. These homes might also be constructed with materials that are more susceptible to damage and may not meet current building codes, increasing the likelihood of costly repairs. On the other hand, newer homes typically benefit from modern construction techniques, materials, and adherence to updated safety standards, reducing the risk of damage and, therefore, lowering insurance premiums. Additionally, newer homes may also have more advanced security features, which can further decrease the likelihood of theft or vandalism and contribute to lower insurance rates.

Comparing Home Insurance Rates: What Makes Each Carrier Unique?

Home insurance premiums can vary widely between different carriers because of several contributing factors. Each insurer uses a distinct risk assessment method, considering elements like the home’s location, age, and overall condition, along with the homeowner’s past claims and credit history. Carriers also provide various discounts, which might include incentives for policy bundling, security enhancements, or maintaining a claims-free record. The way insurers evaluate regional risks and past natural events can also impact rates, as some may assign higher costs based on these factors. Moreover, the quality of customer service and the carrier’s financial strength can influence premium prices, with reputable companies often charging more for their comprehensive coverage and reliability. Comparing quotes from multiple insurance providers is crucial for homeowners to secure the best rate and coverage.

Zip Codes in Fernandina Beach We Cover

  • 32034

Can’t find your zip code? No worries! We’re here to assist homeowners across Florida in securing the best home insurance coverage. Begin with a free instant quote by entering your address above.

TGS Insurance is Fernandina Beach's Premier Home Insurance Provider

Fernandina Beach neighborhood

Fernandina Beach, Florida, located on Amelia Island, is known for its historic downtown, beautiful beaches, and vibrant arts scene. The city offers a mix of historic charm, coastal beauty, and a relaxed lifestyle, making it a picturesque and enjoyable place to live and visit.

Fernandina Beach neighborhood

Experience the difference with TGS Insurance Agency, where we prioritize the needs of our Saint Augustine customers. Offering comprehensive coverage and outstanding service, we help you protect your home from unforeseen events. Get a free quote today.

Key Home Statistics in Fernandina Beach

13,647

Total Population in Fernandina Beach, FL

$602,604

Average Home Value in Fernandina Beach, FL

$86,494

Median Household Income in Fernandina Beach, FL

58

Median Age in Fernandina Beach, FL

Trust TGS Insurance in Fernandina Beach

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Fernandina Beach, FL

Image of Oyster Bay Neighborhood

Oyster Bay

Oyster Bay is a peaceful, waterfront community with stunning views, marina access, and a friendly, close-knit atmosphere.

Image of Isle de Mai Neighborhood

Isle de Mai

Isle de Mai is a family-friendly neighborhood with well-maintained homes, scenic ponds, and convenient access to local amenities and schools.

Image of Ocean Reach Neighborhood

Ocean Reach

Ocean Reach is a quiet residential area featuring spacious homes, tree-lined streets, and close proximity to beaches and parks.

Local Home Resources in Fernandina Beach, FL

Fire Departments
Fernandina Beach Fire Dept225 S 14th St
Fernandina Beach, FL 32034
(904) 277-7331
Fernandina Beach Fire Dept2800 John Robas Rd
Fernandina Beach, FL 32034
(904) 277-7337
Nassauville Volunteer Fire
Fernandina Beach, FL
(904) 261-0606
Police Departments
Fernandina Beach Police Department1525 Lime St
Fernandina Beach, FL 32034
9042777300
Fernandina Beach Police-Record1525 Lime St
Fernandina Beach, FL 32034
9042777300