First Beaches Insurance

06/23/2026

Around the beaches, boats, golf carts, jet skis, and ATVs are just part of life.

Which is why one of the most common assumptions we hear this time of year is:

"My homeowners insurance covers that, right?"

Sometimes.

But not always in the way people think.

This month's blog breaks down what homeowners insurance may cover, what it usually doesn't, and where people tend to get caught off guard when something goes wrong.

Because "I thought it was covered" is still one of the most expensive phrases in insurance.

Read the full article below ⬇️

Think your homeowners insurance covers your boat, golf cart, jet ski, or ATV? Learn common coverage gaps, real accident costs, and how Florida families can better protect themselves this summer.

06/17/2026

Nobody plans a boat day expecting to call their insurance agent on Monday.

But every summer, we end up having some version of the same conversation.

A friend was driving.
Someone got hurt.
Something got damaged.

And suddenly everyone is trying to figure out which policy applies and who's responsible for what.

That's why we spend so much time talking about boats, golf carts, jet skis, and ATVs this month.

Not because we want to ruin the fun.

Quite the opposite.

We just know that understanding the coverage side of things before the weekend starts is usually a lot easier than figuring it out afterward.

Florida toys.

Real risks.

06/09/2026

The accident took 3 seconds.
The headache lasted 8 months.

Around the beaches, this usually starts with a pretty simple plan:

Hop on the golf cart.
Take a trip over to Strings.
Spend the afternoon on the beach.

Then something happens.
And suddenly the conversation changes from:

"We'll be fine."
to
"Wait... what actually covers this?"

That's the part most people don't think about.

Not because they're careless.

Mostly because nobody plans their weekend expecting to call their insurance agent on Monday.

One of the biggest things we help people understand is which policy actually comes into play before they ever need it.

Because boats, golf carts, jet skis, and ATVs are all fun.

Figuring out coverage after an accident?

A lot less fun.

06/05/2026

Looks like the Beaches are keeping everyone busy this weekend.

🏄 Brooks Surf Event
🛍️ The Makers Market
🚲 Bikes & Rides

Whether you're catching waves, supporting local vendors, or getting out for a ride, there's no shortage of reasons to enjoy living around the Beaches this time of year.

We'll see you out there.

And as always — have fun, stay safe, and leave a little extra room in the schedule. Around here, "we're only stopping by for a few minutes" rarely works out as planned.

06/04/2026

Jacksonville Beach is getting ready for some bigger game-day crowds. 🏈

With changes coming to EverBank Stadium over the next few seasons, local leaders and business owners are already planning ahead for what that could mean at the Beaches.

Whether you're a football fan, local business owner, or just someone who enjoys life at the beach, it's interesting to see how our community continues to adapt and grow.

What do you think—good opportunity for local businesses, or are you concerned about the added crowds?

👇 Read the story below and let us know your thoughts.

A two-year pilot program will allow bars and restaurants to host larger Jaguars game day crowds during the 2026 and 2027 NFL seasons.

06/02/2026

One of the most common boating insurance conversations we have this time of year?

"My homeowners insurance covers my boat, right?"

Sometimes.

But usually not in the way people think.

Depending on the type of boat, the value, the horsepower, and what actually happens, homeowners insurance may provide very limited coverage (or none at all).

And that's where people get caught off guard.

Because the assumption is:
"I have insurance."

The better question is:
**Which insurance is actually doing the work?**

With boating season picking up around the beaches, it's a good time to know the answer before you need it.

(Especially before your friend who always says "we'll be fine" takes the wheel.)

📸 904 Happy Hour

05/26/2026

Most homeowners don’t start thinking about hurricane insurance until a storm gets named.

That’s usually when people discover:

flood damage isn’t covered the way they thought
hurricane deductibles work differently
or small gaps in coverage can turn into expensive surprises

The best time to review your policy is before hurricane season ramps up — not when everyone’s rushing to prepare at the same time.

We put together a practical guide covering:
✔ flood vs. wind damage
✔ hurricane deductibles
✔ roof age & insurability
✔ temporary living expenses
✔ common coverage gaps Florida homeowners overlook

A little preparation now can go a long way later.

Read the full blog below ⬇️

Review your hurricane insurance coverage before storm season begins. Learn how flood insurance, deductibles, roof age, and coverage gaps impact Florida homeowners before a storm is named.

05/23/2026

Memorial Day weekend around the beaches usually looks a little something like this:

Boats out early.
Bikes everywhere.
Beach chairs claimed by 9AM.
Traffic nobody was emotionally prepared for.

We hope everyone has a fun, safe weekend with good weather, good people, and a little extra appreciation for the reason behind the holiday.

And if you’re heading out around town this weekend, maybe pack a little patience too.

05/21/2026

One of the biggest insurance conversations in Florida right now?

Roofs.

Not because everyone suddenly has a leak, but because roof age can affect a lot more than people expect when it comes to coverage and carrier options.

And around hurricane season, those conversations tend to get more important pretty quickly.

We’ve had more than a few homeowners say:
“But the roof still looks fine.”

And honestly, they’re usually not wrong.

The challenge is that insurance companies are often looking at:
• age
• materials
• inspection reports
• remaining life expectancy
not just visible condition.

Which is why this is one of those things that’s much easier to understand before it turns into a time-sensitive decision.

Especially in Florida.

05/19/2026

Hurricane season is making headlines again because forecasters are predicting an “above average” season for 2026 due to warm waters, along with the expected return of El Niño conditions: a combination that historically influences hurricane activity in the Southeast.

And around Florida, that tends to get people’s attention pretty quickly.

But here’s the important part:
🌪️ Predictions don’t guarantee what kind of season we’ll have locally.

What they *do* usually impact is awareness and hopefully preparation.

Because every year, we end up having a lot of the same conversations:
“I thought flood was included.”
“We were going to look at it later.”
“Wait… that deductible is how much?”

That’s why this time of year matters.

Not for panic.
Just for clarity before hurricane season starts getting interesting.