JNZ Insurance Services

JNZ Insurance Services is an independent insurance agency with offices in St. Augustine and St. Johns. The agency quotes personal auto, home, and business coverage side by side across appointed carriers, and it is known for Florida-focused home coverage that accounts for wind mitigation, hurricane deductibles, and roof age. It also writes flood insurance through NFIP and private markets, along with motorcycle, boat, RV, life, and pet policies.

Most quotes can be started and issued the same day, though timing depends on the coverage type and carrier requirements. Walk-ins are welcome at both Saint Johns County offices, and Saturdays are by appointment. Home and auto policies can be bundled when available, and the agency is licensed in Florida and Georgia.