St. Johns Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Operational status note: St. Johns Insurance Company was placed into receivership and ordered into liquidation by the Florida Department of Financial Services effective March 1, 2022. Existing policies were subject to a transition plan to another carrier and St. Johns stopped writing new or renewal business. As of the latest available regulatory notices, there is no active homeowners underwriting or new-business appetite in force for St. Johns; agents should treat the company as in liquidation/closed to new and renewal business and follow receivership instructions rather than normal underwriting channels. Current/legacy product scope: - Personal residential property only, focused on Florida. - Standard and preferred homeowners (HO-3) and condominium (HO-6) programs.([stjohnsinsurance.com](https://stjohnsinsurance.com/agents_ourProducts.html?utm_source=openai)) - Target Coverage A dwelling values historically from about $80,000–$750,000 on a replacement-cost basis, with optional replacement cost on contents and liability limits up to $500,000.([stjohnsinsurance.com](https://stjohnsinsurance.com/agents_ourProducts.html?utm_source=openai)) Preferred / target profile (legacy, for historical reference only): - Owner-occupied primary residences in Florida within the above Coverage A range. - Homes meeting Florida Building Code standards and with protective devices (alarms, etc.), which qualified for credits.([stjohnsinsurance.com](https://stjohnsinsurance.com/agents_ourProducts.html?utm_source=openai)) Restricted or declined classes (current practical view): - Because the company is in liquidation, all new business, rewrites, and voluntary renewals should be treated as declined. Do not submit new applications or remarkets to St. Johns. - Any continuing in-force policies are governed by the court-approved transition and liquidation orders, not normal underwriting discretion. Geographic notes: - Florida-domiciled carrier historically focused on the Florida homeowners market.([stjohnsinsurance.com](https://stjohnsinsurance.com/agents_ourProducts.html?utm_source=openai)) - Florida DFS receivership documentation confirms St. Johns’ liquidation and directs policyholders and agents to DFS for transition and claims handling questions.([myfloridacfo.com](https://www.myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/557_NOT_20220228_StJohnsInsuranceCompanyNoticetoAgents.pdf?utm_source=openai)) Submission / agent instructions (current): - Do not quote, bind, or issue new or renewal policies with St. Johns. - For any legacy St. Johns policy issues (claims, unearned premium, or run‑off questions), follow Florida Department of Financial Services Receiver guidance and use DFS contact channels; do not route through typical underwriting or marketing contacts.([myfloridacfo.com](https://www.myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/557_NOT_20220228_StJohnsInsuranceCompanyNoticetoAgents.pdf?utm_source=openai)) - Agents with remaining questions are instructed to use the DFS Receiver "Contact Us" channels and the phone numbers published in the liquidation notice; the carrier website remains only as a reference point and not an active producer portal.([myfloridacfo.com](https://www.myfloridacfo.com/docs-sf/default-source/rehab-and-liquidation_publicdocuments_files/557_NOT_20220228_StJohnsInsuranceCompanyNoticetoAgents.pdf?utm_source=openai)) Broker/producer practical notes: - Treat St. Johns as an exited market. Move any remaining accounts to alternative carriers per your agency guidelines. - Remove St. Johns from comparative raters and new-business marketing templates to avoid inadvertent submissions. - For E&O purposes, document that St. Johns is in receivership/liquidation and that no active homeowners appetite or underwriting guidelines apply going forward. Because the carrier is in liquidation, there are no current, actionable underwriting guidelines beyond the regulatory run‑off framework; historical appetite information should only be used to understand prior placements, not to guide new business.