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
Official agent-facing guidance currently published is limited but indicates a Florida-focused personal residential property market. St. Johns states it offers standard and preferred homeowners (HO-3) and condominium owners (HO-6), with underwriting appetite described as ideal for homes valued from $80,000 to $750,000. Dwellings are written on a replacement cost basis, optional replacement cost contents coverage is available, and liability limits up to $500,000 are offered. Homes complying with the Florida Building Code and/or having protective devices may qualify for credits. Geographic notes: company materials identify Florida as the geographic focus and references to Citizens Property Insurance Corporation support that this is Florida-centric business. Submission requirements: business must be submitted on a St. Johns Homeowners application plus supplemental application through its secure website. Photo requirements call for front and rear views showing roofline on alternate sides; no photos are required if the home is no more than five years old. Attachments that may be required include replacement cost documentation and/or closing documents; evidence of Citizens coverage; flood insurance proof or flood rejection form/declarations; condition evidence for roof, plumbing, HVAC, and electrical on homes older than 30 years; and for homes age 50+ separate inspections for roof, plumbing, heating, air conditioning, and electrical. If there have been losses within the prior 36 months, details of the loss and how the cause was corrected are requested. Protection documentation may also be required, such as wind mitigation affidavit, shutter certificates, alarm certificate, and monitoring receipt. Restricted/declined classes are not expressly listed on the verified public pages, but the age/inspection requirements, flood documentation, prior-loss explanation, and Citizens evidence suggest tighter scrutiny for older homes, flood-exposed placements, and adverse loss history. Broker/producer notes: submissions are routed via secure website using company forms; producer-facing contact instructions direct agencies interested in working with St. Johns to contact the company by phone or email.