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 site indicates St. Johns writes Florida personal residential property business through agents, with a standard and preferred homeowners program (HO-3) and condominium owners coverage (HO-6). Published appetite states homes valued about $80,000 to $750,000 are an ideal fit, written on a replacement cost basis, with liability limits available up to $500,000. Geographic focus is Florida statewide through a select agent network. Submission guidance says business must be submitted on a St. Johns homeowners application plus supplemental application through the secure website. Required or commonly requested submission items include front and rear dwelling photos showing roofline and alternate sides unless the home is no more than five years old; documentation of replacement cost and/or closing documents; evidence of Citizens Property Insurance Corporation coverage; proof of flood insurance or flood rejection form/declarations; and protection documentation such as wind mitigation, shutters, alarms, and monitoring receipts. For older homes, underwriting requires evidence the roof, plumbing, HVAC, and electrical systems are in sound condition for homes older than 30 years, and homes age 50+ require individual inspections of those systems. Loss history within the prior 36 months requires claim details and explanation of corrective action. Practical fit: owner-occupied Florida homeowners and condo risks meeting replacement cost and age/condition standards, especially homes with Florida code compliance and protective devices that may qualify for credits. Practical restrictions/heightened review: older homes with aging systems, risks lacking photos or valuation support, prior-loss properties without remediation details, and accounts where flood/Citizens/protection documentation is needed but not provided. Broker/producer notes published on the site are limited, but St. Johns states homeowners insurance is available exclusively through a select network of agents and invites agents interested in working together to contact the carrier directly.