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2015-2016 Reinsurance Program Completed
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2014-2015 Reinsurance Program Completed
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St. Johns Shield and St. Johns Shield+ are now available
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Personal Umbrella Liability Policy now available in Florida
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Products

Florida Dwelling Fire Policy

The following chart is a snapshot view of the available coverage and endorsement options of a St. Johns Dwelling Fire policy. To get additional information, please consult your agent. If you do not have an agent, click on the "Find an Agent" button to find the St. Johns Agent nearest you.

Dwelling Fire (DP-3)

Coverage
Dwelling (Coverage A) Limits $75,000* Minimum $1,000,000 Maximum*
$100,000 minimum coverage A in coastal territories
Other Structures Limits 1% to 20% of "Coverage A"
Contents Limits $0 to $250,000
Fair Rental Value plus Additional Living Expense 10% of "Coverage A"
Personal Liability Limits/Medical Payments $100,000/$1,000 or $300,000/$5,000
Base Deductible All Other Perils - $500
Hurricane - $500
Optional Deductible All other Perils - $1,000, $2,500 and $5,000
Hurricane - 2%, 5%, and 10% of Coverage A
Endorsements
Personal Property Replacement Cost Optional Endorsement (SJ DP PPRC)
Loss Assessment Coverage Optional Endorsement (DP 04 63)
Theft Optional Endorsement (DP 04 73)
Ordinance or Law Coverage Optional Endorsement (DP 04 71)
Payment Plans
Full Pay Full payment of the gross annual premium plus all policy fees due at the inception of the policy.
2 Pay Plan* 60% of the policy premium plus all policy fees and assessments is due at the inception of the policy, the remaining 40% of the premium is due 180 days after the inception of the policy.
4 Pay Plan* 40% of the policy premium plus all policy fees and assessments is due at the inception of the policy, the remaining 60% of the premium is due in three equal installments at 90, 180, and 270 day intervals.
*Each installment, except the full payment plan, is subject to an installment fee based on the pay plan and the base policy premium. Please contact an agent for additional details.

Note: These guidelines are subject to change