Local Jacksonville, Florida insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and hurricane insurance in Jacksonville, Florida
Jacksonville is the largest city by land area in the continental United States, built along the St. Johns River from Riverside and San Marco to the Beaches. It is also home to Naval Air Station Jacksonville and Naval Station Mayport.
River flooding after Irma
Hurricane Irma (2017) pushed the St. Johns River to record levels, flooding San Marco, Riverside, and neighborhoods far from the ocean. A standard home policy does not cover flood, so we quote NFIP and private flood insurance for homes along the river and its creeks.
Historic homes in Riverside and Avondale
Older homes in Riverside, Avondale, and Springfield often need a 4-point inspection and updated roofs to qualify with private carriers. We shop homeowners coverage across carriers and check every wind mitigation credit you qualify for.
Military families and commuters
Many Jacksonville residents serve at NAS Jacksonville or Mayport. We write renters insurance for military families and auto insurance for drivers on I-95, I-295, and the Buckman Bridge.
Your insurance team for Jacksonville, Florida
We work with Jacksonville households and business owners, and also serve nearby Orange Park, Jacksonville Beach, Atlantic Beach, St. Augustine, and Fernandina Beach, along with communities across Florida.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Jacksonville, Florida providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Jacksonville, Florida.