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Insurance agents serving Hilliard spend most of their time on homeowners coverage, flood policies, auto and umbrella, with a growing amount of golf cart and boat coverage. Rates in Hilliard depend on the home's age, roof, distance from the coast and flood zone, so two neighbors can pay very different premiums. An independent agent who quotes several carriers is usually the best starting point here. Bring your current declarations pages and any inspection reports.
Start with an independent agent
Independent agents quote multiple carriers, which matters in Florida because the list of companies writing new policies changes constantly. Captive agents sell one brand, which is fine if that brand is competitive in your zip code this year.
Get wind mitigation and four-point inspections
A wind mitigation inspection costs about 100 to 175 dollars and can cut a homeowners premium substantially by documenting roof shape, straps and openings. Carriers require a four-point inspection on most homes past 20 to 30 years old. Ask the agent which ones you need before quoting.
Price flood insurance every time
Homeowners policies do not cover flood. Get an NFIP quote and a private flood quote even in an X zone, since St. Johns County has flooded from rain and storm surge well outside the mapped high-risk areas.
Check the carrier, not just the price
Look up the company's financial rating with Demotech or AM Best and its complaint history with the Florida Office of Insurance Regulation. A cheap premium from a carrier that fails after a hurricane is not cheap.
Ask about deductibles in plain numbers
Florida homeowners policies carry a separate hurricane deductible, usually 2 to 5 percent of the dwelling coverage, which on a 500,000 dollar house is 10,000 to 25,000 out of pocket. Make sure you know the dollar figure, not just the percentage.
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