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Homeowners Insurance

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Homeowners Insurance Information


Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Homeowner Insurance carriers we represent:

St. Johns is a privately-held insurance company that insures home and condominium owners throughout the states of Florida and South Carolina. Our mission is simple: provide agents and policyholders with access to a high-quality, financially-stable insurer that will be a reliable market over the long-haul.

St. Johns is headquartered in Orlando, Florida. We are rated "A" Exceptional by Demotech, an organization that ranks and monitors insurance companies for financial stability.

Our products are available exclusively through a network of agents strategically located throughout the state.


Security First is a Homeowners' insurance company created in early 2005 for the purpose of handling policies formerly held by Florida's Citizens Property Insurance Corporation.

Security First has appointed agents throughout the State.As a Security First policy holder your original agent will be your main contact for information and service.

Security First policies will be handled by two established and well-respected companies. MacNeill Group will provide policy administration services, and Allied American will handle the adjustment of claims. We chose these companies based on their outstanding customer service and longevity in the insurance industry.

Security First is owned and operated by Florida homeowners. We have deep roots in the Ormond Beach and greater Volusia/Flagler area. We are experienced insurance and business professionals who are here to make sure you're safe at home.

Now that you know a little bit about Security First, please use our website to learn more about the people behind Security First, how we got started, how to find an agent, how to contact us, or look for answers in our list of Frequently Asked Questions (FAQs.) We also provide an extensive list of links to other websites that can help you safety-proof your home, prepare for natural or man-made disasters, recover more quickly should you need assistance and much more. Our goal is to see that you're safe at home.

Universal Property & Casualty Insurance Company (UPCIC) is a wholly-owned subsidiary of Universal Insurance Holding Company, a Florida corporation. Universal Insurance Holding Company is wholly owned by Universal Insurance Holdings, Inc.

UPCIC has aligned itself with some of the best and most respected service providers in the industry. This functional structure affords UPCIC the opportunity to take advantage of a unique combination of financial strength, underwriting skills, analytical expertise and administrative capability

Universal Property & Casualty Insurance Company has a distinguished and experienced group of individuals as its directors and officers. The individuals provide guidance and lend their expertise to ensure this insurance operation continues to be successful in the property and casualty insurance marketplace.

Universal Property & Casualty has been granted a superior "A" rating by Demotech.

Since 1946 the Jerger Family has been in the insurance business in Florida. Our goal has always been to provide the prudent agent and its customers with security and protection through professional insurance services. We have a Tradition of providing old-fashioned service with a smile. The Jerger Holding Corporation (JERGER) has formed a new Florida property and casualty insurance company named American Traditions Insurance Company (ATIC). The Jerger Group specializes in residential property insurance and operates in Florida. American Traditions Insurance Company will provide a voluntary market for residential property insurance coverage.

T J Jerger MGA (TJJMGA) will serve as the MGA for ATIC. American Traditions Insurance Company is wholly owned by JERGER, a Florida corporation. TJJMGA has common ownership with JERGER. ATIC, under a long-term servicing agreement with our business partner West Point Underwriters, LLC, will market, underwrite and process all property insurance policies. West Point Underwriters was established in May 2000 and began writing policies in October 2000. We are proud of our special relationship with West Point. West Point Underwriters has had remarkable growth over a short operating history.

Highly effective use of technology, designed and maintained at extremely low costs relative to industry norms, provides ATIC with a sustainable competitive advantage in expense structure and offers an attractive hook for agents who value user friendliness and speed of entry.

The property insurance market in Florida has endured a nearly continuous state of turmoil since 1992 in the aftermath of Hurricane Andrew and this condition has been exasperated by the numerous hurricanes over the past two years. Property insurance risk assessment and pricing throughout the world has evolved over the past decade as reinsurers, intermediaries and direct insurance carriers have modified their approach to marketing and underwriting property risks. While many insurers, particularly large national insurers, seek to reduce their exposure in Florida (as well as other catastrophe-exposed states), and non-domestic insurers avoid Florida altogether, we will use our detailed knowledge of Florida policyholders, territorial pricing, highly automated systems, spread of risk approach, regulatory and legislative matters, agency relationships and technical capabilities to grow a profitable book of property insurance policies. This is the opportunity we have with ATIC, a company with a mixture of old time values and experience with a new dynamic progressive approach.

All of our homeowners carriers we represent have received the following rating:




2098 Shepherd Rd | Mulberry, FL 33860 | Ph: 863.425.8200 | Fx: 863.644.2922

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