Homeowners Insurance - North East Florida::Ponte Vedra North

Peace of mind is critical when it comes to your home. Whether it’s your dream home, a starter home, an ocean-front condo, a second home, or even that darn investment home you wish you didn’t buy, we can help you get the right coverage at the right price anywhere in Florida.

For residents of Florida, homeowners insurance is a necessity – especially when it comes to weather considerations. Because Florida weather shows no favorites, this applies to every home - from the foreclosed “fixer-upper home” you may have invested in, all the way to the “dream home on the private island community” home. Luckily there is Brightway Insurance of Ponte Vedra Beach to help weather the storm of homeowner’s insurance coverage, where our staff prides itself on putting the sweet in home sweet home.

Our agents will explain all your coverage options, and will consult with many companies for quotes, so that we can help construct the exact policy for your home, no matter where you live in the state of Florida. Along with your homeowners policy, attention will be given to flood policy considerations – both for people who choose this option, as well as for those people who are required to have this coverage based on where their home or condo is located. Once a policy is in place, don’t be surprised if you experience peace of mind and a better night’s sleep – that’s also covered in the policy.

Your Needs

Every home is different and your needs are too. We will ask you the right questions to be certain you have the right coverage for your needs. We will explain the different coverages and answer the questions you may have. Is all the jewelry in your home covered? What about electronics, art, guns? They are only if it is properly listed on your homeowner’s policy. Do I need flood insurance? We will help you find out. By taking time and tailoring a policy for you, we can be certain you have exactly what you need. No more and no less. We proudly serve Ponte Vedra Beach, Jacksonville Beach, and surrounding areas in greater Jacksonville.

Click here for a customized homeowners insurance quote.

The Best Rate

After determining your needs we can look to over 50 different “A” rated carriers to get you the best rate with a company you can trust. More Choices = More Savings. Here are just a few of the companies that we ask for quotes on your home policies:

• American Strategic (ASI)
• American Traditions/Modern USA
• Bankers
• Cypress
• Edison
• Federated National
• Florida Peninsula
• HomeWise
• Southern Fidelity
• Tower Hill
• Royal Palm
• United Property & Casualty
• Universal Property & Casualty
• Olympus
• St. Johns
• Pure
• Chubb
• Lexington
• Security First

Flood

Flood insurance is a separate policy from your homeowner’s insurance. It’s a good idea to have and in some areas it may even be required by your mortgage company or your HOA. We’ll help you figure out if it is needed and get you the right coverage at the best rate. Several home insurers will allow significant discounts for having a flood insurance policy written through the same company.

Condo Contents Coverage

In 2008 the Florida Legislature amended the existing laws regarding condo insurance to now require unit owners to purchase their own individual contents policies. Most condos provide a master insurance policy that is paid for through your monthly association dues that typically covers the building from only the middle of the walls to the exterior. That means if there was a major loss, the HOA’s policy would rebuild your unit only to the studs and you would be responsible for walls, cabinets, flooring, bathrooms, fixtures, trim, etc. Many condo owners who are faced with a loss are surprised by the limited coverage and overwhelmed by the massive expense of rebuilding the interior. It’s a good idea to have contents coverage to pay for these additional expenses in the event of a loss and now lawmakers agree.

Your condo association may have sent you a letter requiring proof of this additional “Contents Coverage” to help insure the interior. If you don’t provide it to them, they can purchase a “forced-placed” policy for you that is often 3 or 4 times the normal rate and assess you for the cost. If you purchase it yourself, you will have peace of mind, avoid the headache and save money. The laws are constantly changing and every master policy is different. Contact your Association for more information.

Testimonials –

“State Farm just sent me a letter letting me know my homeowner’s policy would soon be dropped. (After being a loyal customer for 14 years!) I was mad and shopped the policy around. Brightway gave me several options, explained the differences and was $450 less! I guess getting dropped was a blessing in disguise!”

Bruce R.
Atlantic Beach

“I didn’t realize how much different rates can be from one company to the next. Brightway saved me almost $1000 per year on the exact same coverage for my home.”

George M.
St. Augustine