Insurance agencies · Florida
Insurance Agencies in Elkton, FL
Local agencies in Elkton for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Elkton
St. Johns County has 306,934 residents in 115,794 households. We list 1 insurance agencies in Elkton. Here is what the local numbers say about the cover people here need.
Elkton at a glance
- 1insurance agencies listed
- 17.8%of households rentRenters insurance
- $489,200median home valueHome insurance
- 2004median year homes were builtRebuild cost calculator
- 3.1%of households have no carAuto insurance
- 4.8%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for St. Johns County (the Census does not publish Elkton as a separate place). Agency count: our listings.
Natural hazard risk in St. Johns County
FEMA rates the overall natural hazard risk in St. Johns County, where most Elkton agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Hurricane
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance - Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance - Coastal flooding
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Florida
Florida requires drivers to carry at least $10,000 of property damage liability. It also requires personal injury protection ($10,000). Florida is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance How much liability cover do you need?
Source: leg.state.fl.us. Checked 2026-10-24.
Questions
Insurance agencies in Elkton
How do I find an insurance agency in Elkton?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Elkton?
FEMA's National Risk Index rates coastal flooding risk in St. Johns County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Elkton?
17.8% of households in St. Johns County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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