Homeowners Insurance

Your home is one of your most significant investments. Protect your property and its contents with homeowners insurance in Jacksonville, Ponte Vedra, Florida and surrounding areas.

At Locke Insurance Group, we offer customized home insurance policies with the right coverage for your specific needs.

Property Insurance

Typical Coverage

Though the extent of coverage will vary according to your location, a standard home insurance policy in Florida will cover damages caused by:

  • Theft
  • Falling objects
  • Windstorms and hurricanes
  • Fire and smoke
  • Damages caused by bursting of frozen pipes and other water-related damages

Available Coverage

Learn about the available options for your property.

Dwelling coverage homeowners insurance Jacksonville Florida

Protects the physical structure or building of your house, including the walls, roofs, and any attached installations.

Personal Property Coverage Jacksonville Florida

Covers the valuable property within your home, including your furniture. These will be covered even if they are damaged or stolen outside your home.

Other structures insurance coverage

Covers other structures on your property, such as your garage. This policy covers structures that aren’t attached to or within your home.

Liability coverage Jacksonville Florida

Protects you against legal liabilities incurred if a guest or visitor sues you after being injured on your property or after you damage their property.

Guest Medical protection Jacksonville Florida

Covers the hospital bills for a guest or visitor that sustains an injury in your home. This policy will pay for expenses related to dental problems, ambulances, surgeries, x-rays, and so on.

Additional living expenses protection Jacksonville Florida

If an incident occurs that renders your home uninhabitable, this coverage provides for the financial costs of renting a hotel or motel during the time your house is undergoing repairs.

Umbrella Insurance Jacksonville Florida

Covers damages incurred beyond the limits of your standard home insurance policy.

manufactured home insurance coverage Jacksonville Florida

Covers the cost of damages that occur in your manufactured or mobile home.

Flood Insurance Coverage Jacksonville Florida

Covers damages caused by floods to your home, other structures, and personal belongings.

Different Types of Home Insurance Policies

Homeowners Insurance Jacksonville Florida

Homeowners insurance protects your home and possessions against unforeseen natural disasters, theft, and bodily injuries sustained by visitors or guests on your premises.

Renters Insurance Jacksonville Florida

Renters Insurance is a coverage policy for tenants to protect their personal belongings that goes beyond the typical landlord policy to protects the tenant’s personal property caused by theft, fire accidents, water accidents, and natural disasters.

Manufactured Homes insurance Jacksonville Florida

Manufactured homes are built under a federal building code enacted in 1976 and administered by the U.S. They are assembled in a factory and transported to the land that will become its permanent address.

This policy covers accidental, direct physical damages to your manufactured homes.

Condominium Insurance Jacksonville Florida

This policy protects your condo unit and its belongings if they are damaged by covered perils such as theft, fire, or other natural disasters. It will also cover your living expenses in case your condo becomes uninhabitable after a disaster.


Experience un-complicated insurance.