St. Johns Insurance Company Review 2021


Review written by:

- Policy holder
- Policy holder
We used St. John's Insurance Agency to secure our homeowners insurance. Not only did we get an awesome rate but we didn't have to do a thing. Kevin looked up everything for us, emailed us our options, went over every option with us and answered any question we had quickly. We e-signed all paperwork so nobody had to leave work. The experience was so efficient and easy that we had Kevin search our auto insurance. We're saving $25-$30 a month and we have better coverage. I would highly recommend SJIA to anyone looking for great rates and excellence customer service!
Erica R.
- Policy holder

Carrier Overview

St. Johns Insurance Company is a privately-held Florida company specializing in homeowners' insurance products and services. St. Johns Insurance Company is owned by St. Johns Holding Company. The majority shareholder is St. James Insurance Group, a managing general agency and program developer which has been underwriting homeowners' policies since 1984. Today, St. Johns continues to solidify and expand its presence in the state. The company's commitment to offering quality products and services has made St. Johns one of the most sought-after insurance companies in Florida.

St. Johns Insurance Company has earned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc. (, an organization that ranks and monitors insurance companies for financial stability. 

Customer Service: 800-748-2030



  • Homeowners
  • Condo
  • Dwelling fire
  • Personal umbrella

How to Buy a Policy

St. Johns has partnerships with hundreds of insurance agencies throughout Florida. The company helps you to get in touch with an agent near you directly from its website. A phone number and address are provided after you enter your zip code.


Discounts offered



How to make payments

You can make a payment online to St. Johns using your credit card, personal checking or personal savings account. After entering your policy number and last name, your bill will be generated as well as a payment prompt. If there are questions regarding this payment or if technical difficulties occur, you can contact the St. Johns Insurance Company Customer Service at (800) 748-2030, Option 4.


How to File a Claim

You can report a claim by calling claims service representatives at 877-748-2059. They are available 24 hours a day if you have a policy number. If you do not have your policy number available, contact claims representatives at 877-748-2059 during regular business hours (8:00 AM – 5:00 PM Monday-Friday) to report your claim.

At the end of the call, you will be provided with your claim number. You may also contact your agent to assist you in reporting your claim.

After reporting your claim, take pictures of all damages as soon as possible. Make temporary repairs and save receipts for any materials that you purchase but don't make extensive repairs until our adjuster has been out to inspect your property. Be sure to make a list of personal property that is damaged. If your residence is not fit to live in, save all receipts associated with the additional living expenses incurred. If you experience additional damage, report it to your claims adjuster.



  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

St. Johns Insurance Company maintains an extensive reinsurance portfolio to provide the financial stability and peace of mind. Its current program incorporates Quota Share, Catastrophic Excess of Loss, and Property Per Risk reinsurance. Quota Share reinsurance is purchased so that losses are shared by a stated percentage/amount for each risk within a defined category of business. The participation in each risk is fixed and certain.

Catastrophe excess of loss reinsurance protects St. Johns in the event losses exceed a specified retention level for catastrophic losses. The company participates in the coverage provided by the Florida Hurricane Catastrophe Fund. For non-catastrophic losses, the property per risk reinsurance limits the Company’s exposure at $300,000.

Reinsurance is placed in the Domestic, Bermuda, International, and London markets.

Career Opportunities

St. Johns is constantly looking for talented and experienced professionals in the fields of human resources, customer service, claims, marketing, underwriting, and administration. Please email your cover letter and resume to Be sure to include in the subject RESUME. 


How to Become an Agent 

If you are interested in becoming a St. Johns agent, email or call toll-free at 1-866-304-7779. You can also contact St. James Insurance Group at or toll-free at 1-888-868-7544. St. James, a leading Managing General Agency for Florida and recognized nationally, is the exclusive marketer for St. Johns Insurance Company products.

become an agent

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