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Latest News

 

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

Shield and Shield+

The St. Johns Shield and St. Johns Shield+ offer policyholders broader protection and higher coverage limits all packaged into a single endorsement at a discounted premium. The following chart illustrates the advantages provided by the St. Johns Shield and St. Johns Shield+ endorsements over the basic policy coverage. To get additional information or a quote please contact your local St. Johns agent.

These endorsements are only available on Florida Homeowners (HO3) policies.

Coverage Basic Policy St. Johns Shield St. Johns Shield +
Personal Property Replacement Cost Available by Endorsement Included Included
Special Personal
Property Coverage
(Open Perils)
Not Available Not Included Included
Loss Assessment $1,000 Total Limit $5,000 Total Limit $10,000 Total Limit
Water Back-up and
Sump Overflow
Available by Endorsement Included Included
Personal Injury Available by Endorsement Included Included
Coverage C -
Personal Property
50% of Dwelling Limit 75% of Dwelling Limit 75% of Dwelling Limit
Coverage C -
Increased Special
Limits
$200 $750 $1,000
Securities $1,000 $2,500 $5,000
Watercraft/Trailers $1,000 $3,000 $5,000
Theft of Jewelry $1,000 $3,000 $5,000
Theft of Firearms $2,000 $3,000 $5,000
Theft of Silverware $2,000 $3,000 $5,000
On Premises Business Property $2,500 $5,000 $10,000
Off Premises Business Property $250 $1,000 $1,000
Coverage D –
Loss of Use
10% of Dwelling Limit 20% of Dwelling Limit 20% of Dwelling Limit
Coverage D –
Loss of Use Due to
Off Premises
Power Stoppage
Not Available Included Included
Identity Theft Available by Endorsement Not Included Included
Fire Department
Service Charge
$500 $750 $1,000
Credit Card Forgery $500 $5,000 $10,000
Lock Replacement Not Available $250 $500
Refrigerated Property Coverage Not Available Not Available $500
Coverage E –
Personal Liability
$100,000 $300,000 $500,000
Coverage F –
Medical Payments
$1,000 $5,000 $5,000
Coverage E and
Coverage F –
Outboard Watercraft
25 Horsepower 50 Horsepower 50 Horsepower