Quick Answer: Jacksonville homeowners pay an average of $3,454 per year for homeowners insurance, based on our analysis of over 2,000 active policies. That is roughly triple the national average. The main reasons:...

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Quick Answer: Adding a teen driver to your Florida auto insurance typically raises your annual premium by $2,000 to $4,000, depending on the teen's age, gender, vehicle, and your insurance company. It is almost always...

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Quick Answer: A State Farm agent represents one company across your home, auto, and business insurance. An independent agent compares rates from 10 to 80+ insurance companies and shows you the best options side by side....

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Quick Answer: In our experience, the biggest rate drops in Jacksonville come from four things: shopping across multiple insurance companies, bundling home and auto, raising your deductible from $500 to $1,000, and...

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How Much Will Your HVAC Business Pay for Workers' Comp in Florida? - Short answer: The 2026 Florida rate for HVAC contractors is $3.0 per $100 of payroll (NCCI Code 5537). Two HVAC techs with $80,000 total payroll costs...

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Quick Answer: Based on our 2026 agency data, auto insurance in Jacksonville, FL costs a median of $2,472 per year ($1,236 per 6-month term) for a full-coverage policy. Most households pay between $1,156 and $5,475 per...

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Quick Answer: Is Frontline Insurance pulling out of Florida - or is Edison leaving? No. Both companies are still writing homeowners insurance in Florida in 2026. Neither has filed to withdraw from the state. If you...

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Published: April 2026 Key insight: Florida only requires PIP and property damage to register a car. You can legally drive without bodily injury coverage. The state does not stop you, warn you, or check. But if you cause...

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By Susan Augustyniak, Augustyniak Insurance Group · Jacksonville, FL · Updated April 2026 Quick Answer You can get homeowners insurance in Florida with aluminum wiring if: Multi-strand aluminum wiring only - still used...

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What Does Homeowners Insurance Cost in Jacksonville and Northeast Florida? (2026 Real Data) - Last updated: April 1, 2026 Quick Answer: - Average premium: $3,454 per year Median premium: $3,004 Based on 2,000+...

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Vacant Property Insurance for Florida Real Estate Investors - By Susan Augustyniak, Licensed Agent & Owner, Augustyniak Insurance Group | Last Updated: April 4, 2026 When you own investment real estate in Florida,...

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Do College Students Need Renters Insurance in Florida? - 👉 Yes, most Florida college students should have renters insurance. It’s affordable-about $15–$30 a month-and covers belongings, liability, and extra living costs...

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RV Insurance in the Off-Season: Do You Still Need It? - For many RV and travel trailer owners, the fall and winter months mean fewer road trips and more time in storage. Whether you park your RV in a garage, on your...

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Updated April 2026 What Does an Auditor Actually Look for During a Workers' Comp Audit? - Getting notice of a Florida workers' comp audit can feel stressful, but it does not have to be. The auditor is checking four...

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Quick Answer: Yes, telematics and GPS monitoring can lower your commercial auto insurance bill in Florida. Companies like Progressive, Auto-Owners, and Nationwide offer discounts for fleets that share driving data....

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Why Does Your Insurance Carrier Audit Your Workers' Comp Policy? - Every year, Florida business owners get a notice from their insurance carrier: it is time for a workers' comp audit. For many, this feels confusing and...

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By Susan Augustyniak, Augustyniak Insurance Group · Jacksonville, FL · Originally published September 2025 · Updated April 2026 Quick Answer Florida's three most problematic wiring types for homeowners insurance are...

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Whether you’re driving in Jacksonville, Orlando, Miami, or anywhere across Florida, you know driving in Florida can be stressful. Auto insurance can feel the same way - full of twists and turns. Florida requires every...

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- - How to Save Money on Commercial Auto Insurance in Jacksonville, FL (2025 Guide) - If you own a business in Jacksonville, you already know commercial auto insurance in Florida isn’t cheap. The question is: how do you...

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Last Updated: April 2026 What Are Florida's Workers' Comp Rules for Contractors? - If you are a contractor or subcontractor working in Florida's construction industry, workers' compensation is not something you can...

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2,250+Five-Star Reviews 80+Insurance Carriers 20+Years in Florida 4.9★Google Rating Looking for an Independent Insurance Broker Near Me in Jacksonville, FL? - Personalized Coverage. Real People. Trusted Advice. - At ...

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🕒 Estimated Read Time: 4 minutes 🌪️What’s the difference between wind and flood damage? - Living in Florida, it’s not unusual for one storm to cause a lot of different kinds of damage. A hurricane might tear off roof...

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Vacant Home Insurance in Florida | What It Covers & When You Need It - Susan Augustyniak, Augustyniak Insurance Group | Last Updated: April 4, 2026 If you own a home in Florida that's sitting empty - whether you're...

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Homeowners Insurance Tips for First-Time Buyers in Jacksonville, FL - Buying your first home is a big deal-and in Florida, it comes with some unique challenges. Between hurricanes, rising insurance costs, and unfamiliar...

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Choosing the Right Commercial Auto Insurance for Your Jacksonville Business - Own a service truck, delivery van, or food truck in Jacksonville? Then commercial auto insurance isn’t just smart-it’s essential. But...

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. By Susan Augustyniak, CIC - Certified Insurance Counselor and Vice President of Augustyniak Insurance Group in Jacksonville, FL. Susan is a University of Florida graduate who spent 10 years at Nationwide Insurance as...

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Florida Construction Policy Tracking Database | Workers' Comp Verification 💼 What Is the Florida Construction Policy Tracking Database? - As a Jacksonville workers' comp insurance agent, one of the most common questions...

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⚡ Quick Answer: Which Electrical Panels Can Get Your Florida Home Insurance Denied? - These four electrical panel brands are considered high-risk or ineligible by most Florida home insurance carriers Federal Pacific (...

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Comprehensive vs. Collision Insurance in Florida: What They Cover & When You Need Them - Understanding the difference between comprehensive and collision auto insurance coverage in Florida can help you make smarter...

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Why Cheap Auto Insurance Could Cost You More Than You Think - Why Cheap Auto Insurance in Florida Could Cost You More Than You Think - We’ve all seen those ads promising dirt-cheap car insurance rates-especially here...

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- - Home Renovations & Insurance: Why Your Agent Should Be Your First Call - Home improvement projects are exciting-until you realize there’s more to it than just picking paint colors and watching HGTV. Whether you’...

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- Are Florida Home Insurers Really Denying Claims? The Truth Behind the Headlines - If you’ve seen recent news articles about Florida home insurers “denying” or “delaying” claims after hurricanes, you might wonder if...

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Florida Welcomes Eight New Home Insurance Companies - Big changes are coming to Florida’s home insurance market! Eight new companies have been approved to offer homeowners insurance policies in the state starting in...

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2,250+Five-Star Reviews 80+Insurance Carriers 20+Years in Florida 4.9★Google Rating Bottom Line: Augustyniak Insurance Group is an authorized Auto-Owners Insurance agent in Jacksonville, Florida. We write business...

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We want to extend a personal message to those of you who might be impacted in the coming days because of Hurricane Milton. As always, our most immediate concern is your safety and the safety of your family. Please take...

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Florida's Wobbly Insurance Market: Why Companies Are Leaving and What You Can Do Florida's sunny beaches and vibrant lifestyle are a magnet for many, but securing reliable and affordable home insurance can feel like...

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Citizens Insurance Makes Changes That Could Impact Your Insurance Rate - Do you live in Florida? If you have a Citizens Insurance policy, recent legislative changes might impact your rates. Don't worry, though! This...

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We want to extend a personal message to those of you who might be impacted in the coming days as a result of Hurricane Ian. As always, our most immediate concern is your safety and that of your families. We know it’s...

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Thank you for your continued trust and business with Augustyniak Insurance. We want to make you aware of changes happening at renewal of your Tower Hill Home, Condo, or Landlord Insurance policy. We hope to make the...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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Mike Augustyniak with his New York Jets No. 35 game jersey, 2006. The short version: Mike Augustyniak walked on at Purdue with no scholarship. Got cut by the Saints. Walked on to the New York Jets. Earned the starting...

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Due to the widespread damage across Florida, we want to extend a personal message to those of you who might be impacted. As always, our most immediate concern is your safety and that of your families. - Susan...

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Last updated: April 2026 What Is a 4-Point Inspection, and Why Is Your Insurance Company Asking for One? - Maybe your agent just told you a 4-point inspection is required before your policy can be written. Maybe you're...

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FEMA (Federal Emergency Management) publishes a standardized form called an elevation certificate. A Surveyor usually completes the form, but can also be done by a engineer or architect. The information on this form is...

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Updated April 2026 How Much Will Your Painting Company Pay for Workers' Comp in Florida? - Short answer: The 2026 Florida rate for painting contractors is $4.48 per $100 of payroll (NCCI Code 5474). Two painters with $...

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Originally published June 2017 · Completely rewritten April 2026 Quick Answer: Florida homeowners insurance averages approximately $3,800 per year statewide, according to the Florida Office of Insurance Regulation. That...

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- Wrap- up Programs - Owner controlled insurance programs (OCIP) and contractor controlled insurance programs (CCIP)- both commonly referred to as wrap-ups –are insurance products held by one party on behalf of those...

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Estimated Read Time: 7 minutes Read this article to learn: Cost of Flood Insurance in Low and High Risk Areas What is a Flood Zones? How to Buy Flood Insurance in Florida Flooding is the #1 Natural Disaster in the US. ...

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If you are a first-time home buyer or just now reviewing your Florida homeowners insurance policy, you may be overwhelmed. There are many choices of home insurance companies and options for coverage. So it can be...

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Each state has different insurance laws. This information applies to Florida policies only. Estimated Read Time: 6 minutes Stacked vs Non-stacked Uninsured Motorist Insurance in Florida: - What is it and what do I...

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Note: This article is from 2015 and may contain outdated information. Please see our updated 2024 list of the largest Florida home insurers. Florida Homeowners Insurance Companies List - Major name brand companies like...

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You have accomplished what most people only dream.... You own your own home. Did you know that your Homeowner’s Insurance policy has one shortcoming that could destroy everything you have worked so hard to achieve? - - -...

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Your business can suffer serious financial setbacks if your subs don't have the proper exemption or workers compensation insurance. Learn how to protect your business from a subcontractor's mistake in handling their...

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IMPORTANT INFORMATION REGARDING YOUR CLAIM - HURRICANE MATTHEW - If you have filed a property claim with us or your insurance company for a personal and/or business loss, following is some information that you will find...

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In Florida, you are not required to purchase Uninsured Motorist Insurance coverage. However, we think this is an extremely important coverage to have in Florida. Each state has different insurance laws. This information...

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You should collect a certificate of insurance or a valid exemption certificate. Then you should independently verify them using the state of Florida Databases we discuss below. You can even sign up for automatic alerts...

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In Florida, owners of Limited Liability Companies (LLC's) who want to be exempt from worker's compensation insurance must file for and receive an exemption from the State of Florida Division of Workers' Compensation....

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The State of Florida has new rules on how to file a workers compensation exemption. They will now only accept online applications. Anyone wishing to apply for an exemption from workers’ compensation insurance must apply...

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Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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YOU MAY BE LIABLE FOR WORKERS COMPENSATION COVERAGE FOR YOUR OUT OF-STATE CONTRACTORS Did you know that if you have Workers' Compensation Insurance in Florida and you use out-of-state contractors to perform work within...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Augustyniak Insurance Group, we thought it would be fun to give...

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Spring is a time of new beginnings in Jacksonville, FL- and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Augustyniak Insurance Group,...

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It goes without saying that keeping yourself and your family healthy through the winter months in Florida can be a challenge. When you combine chillier temps, housebound days - not to mention kids passing around colds...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Augustyniak Insurance, we'd like to change that a little bit: "Happy - and Safe - Holidays!" While the holidays...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in...

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Insurance for Jewelry - Most of us make a common mistake that our wedding rings and other jewelry are covered on our home or renters insurance policy. But in fact, if your ring or watch is stolen, homeowners policy...

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At Augustyniak Insurance Group we don't take increases in homeowners insurance rates lightly, and we know consumers don't, either. In reality, however, rate increases are necessary to maintain a company's ability to pay...

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It's a night full of treats for both kids and adults in Jacksonville. But a number of factors - including lots of people walking in the dark, the threat of wet and stormy weather, strangers coming to your door - mean...

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With the days getting longer and the weather getting warmer, we're starting to think about spring. (Or at least hoping that springtime is coming, anyway.) And whether spring arrives on time, we've got you covered with...

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Why should I have a home inventory? - Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Florida, you may own much more...

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When purchasing a trailer in Florida or elsewhere, stay within recommended weight capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the...

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To stay safe on Jacksonville, FL streets, you need the right skills to control your ride, and the best safety equipment for just-in-case. Augustyniak Insurance cares about your safety - so keep these helpful tips in...

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Last updated: July 2025 Sinkhole vs. Catastrophic Ground Collapse Coverage in Florida: What Every Homeowner Needs to Know in 2025 - Florida is known for sunshine, palm trees, and beautiful coastlines - but beneath all...

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Keep your teenagers and employees safe. Review with them these 5 common mistakes made by drivers on the road today! 1. Tailgating Leave a three-second cushion between you and the vehicle in front of you. Leave even more...

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Should Florida Ban Texting and Driving? As of Feb 2012, there are 35 states that have outlawed texting and driving, but Florida isn't one of them. Right now the Florida legislature is considering passing a bill to...

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Bad weather is the enemy of every driver in Florida. Augustyniak Insurance Group wants you and your employees to be safe. And better safety means preventing auto accidents and lowering your Jacksonville FL auto...

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Most people know how important it is to have insurance in place to protect their home. A homeowners insurance policy provides financial support in the event a home is damaged or destroyed.Did you know that it will also...

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What’s considered personal property? Personal property are items you take with you when you move from house to house…. Clothes, TV, electronics, furniture, pots and pans, (the things you put in the moving truck)....

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Florida Home Insurance Jacksonville can get expensive each year. But, here is an easy money saving tip. This one is pretty straight forward. Increase your deductible.? Homeowners insurance is expensive and for some...

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Whether you like it or not, your credit rating can affect how much you pay for a homeowners insurance Jacksonville FL policy. Several companies give significant discounts (up to 20%) of your total policy costs for...

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If there is one thing we all agree on, Home Insurance in Florida is expensive. Why? Well, we are surrounded with water on 3 sides. This makes us an easy target for hurricanes! While you can't control hurricanes, you can...

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