St. John's Insurance Company Review

Pros, cons and all you need to know.

St. John's Insurance Company at a Glance

  • Founded in 2003
  • Offers a variety of insurance products
  • Offers mainly personal coverages
  • Coverage available in FL and SC
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Not rated by A.M. Best
  • Network of independent insurance agents
  • 24/7 phone claims reporting
  • Several discounts available

St. John's pros: Almost 20 years’ worth of experience in the insurance industry. Highly rated by the BBB. Offers several discounts. Offers multiple forms of coverage including homeowners insurance and landlord insurance. 24/7 phone claims reporting. Request a quote and match an agent features provided on website.

St. John's cons: Coverage only available in two states. Limited coverage selection. Not rated by A.M. Best.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does St. John's Insurance Offer?

St. John’s offers a few coverage options, mainly for individuals. Their products include the following.

  • Homeowners insurance
  • Condo insurance
  • Landlord insurance
  • Personal umbrella insurance

Your independent insurance agent can help you decide if St. John’s has the right type of coverage to best meet your needs.

What to Know about St. John's Insurance

St. John’s Insurance was founded in 2003, giving the carrier just under two decades worth of experience in the insurance industry. The insurance company offers a few forms of coverage for individuals including umbrella insurance, condo insurance, and homeowners insurance, as well as landlord insurance. The insurance company is headquartered in Orlando, FL.

Today, St. John’s focuses its efforts on offering quality coverage across two states, Florida and South Carolina. St. John’s distributes its coverage exclusively through a network of hundreds of independent insurance agents, which provide a more personalized and comprehensive experience for insurance customers. The carrier’s LinkedIn profile reports St. John’s has fewer than 50 total employees.

St. John’s is not rated by A.M. Best, the leading global credit rating agency monitoring the insurance industry. However, the carrier has been rated an “A” or “exceptional” by Demotech, Inc. Demotech is another organization that monitors the financial stability of insurance companies.

St. John’s has also received a very high rating of “A+” from the BBB and is accredited by the organization. Ratings from the BBB reflect how likely a business is to interact with its customers as well as a few other factors including advertising issues, amount of time spent in business, complaints filed against the business from the public, etc. High ratings from the BBB aid an insurance company’s credibility.

What Discounts Does St. John's Insurance Offer?

St. John’s offers several competitive discounts on their coverages, including the following.

  • Monitored alarm discount: Offered to customers whose homes are equipped with burglar alarms, etc. 
  • Multi-policy discount: Offered to customers who have more than one type of coverage through St. John’s.
  • Senior insured discount: Offered to customers who are senior citizens. 
  • E-policy discount: Offered to insurance customers who opt to receive their insurance documents electronically.

An independent insurance agent can help you find more information about further discounts and additional ways to save with St. John’s, as well as provide you with quotes and help answer any other questions you may have.


Find The Right Company Today.

Shopping for insurance? St. John's has you covered.

St. John's Insurance Customer Service

St. John’s allows their customers to file claims via phone anytime. The carrier provides the following customer service options.

  • Phone claims reporting
  • Online bill pay
  • Fax claims reporting
  • Email contact option
  • Snail mail contact option
  • General contact form on website
  • Customer service department hours not provided

The best way to handle your customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier for you by handling claims and other concerns.

St. John's Insurance FAQ

What is St. John's Insurance's average claim response time frame?

St. John’s allows customers to file claims at any time over the phone. The carrier’s official website states that same-day follow-ups with customers are “mandatory.”

What is St. John's Insurance's customer service availability?

St. John’s provides phone claims reporting for its customers, but no online claims reporting. The customer service department’s hours are not specified on the carrier’s official website, social media, or provided when calling the carrier. The carrier does have a comprehensive social media presence on Facebook, Twitter, Instagram, and LinkedIn, making them more accessible to customers.

What is St. John's Insurance's claims process?

St. John’s official website does not break down a specific claims process for customers beyond providing helpful tips on how to prepare a claim to be filed. Customers can get in touch with their independent insurance agent or the carrier directly if they have questions about filing claims.

Does St. John's Insurance create a user-friendly experience for customers?

St. John’s has a polished website that is easy to navigate. However, the website would benefit greatly from adding a detailed claims process outline and an option for customers to file claims online. The insurance company does offer modern customer service options such as online bill pay and a find an independent insurance agent feature. While St. John’s may have a ways to go to catch up to other modern carriers in the user-friendliness department, overall the insurance company still provides a decent experience for its customers.

Does St. John’s have good homeowners insurance?

St. John’s provides a few forms of coverage, including homeowners insurance. The carrier’s homeowners insurance policies provide coverage for the following elements.

  • Dwelling
  • Other structures
  • Personal property
  • Loss of use
  • Personal liability

Your independent insurance agent can help you find even more information about St. John’s homeowners policies, as well as their other available coverages.

Is St. John’s a good insurance company?

While St. John’s has not been around in the insurance industry as long as many carriers today have, they provide several forms of quality insurance for customers in Florida and South Carolina. The carrier is also highly rated by the BBB. St. John’s works with a network of independent insurance agents to provide their customers with the best insurance experience possible. Overall, St. John’s does qualify as a good insurance company.

St. John's Insurance Customer Reviews

“Great rates. Easy to work with. Thank you.”
“I was shopping for a homeowner's policy for a new home, and was provided a number of policies to do comparisons. The agent answered all my questions and requoted any changes I requested, and found the policy I needed. I also have an existing policy on another property with the agency and they have always been a pleasure to work with.”
“Very knowledgeable, professional and courteous.”
“We had damage to our roof after hurricane Irma and they sent someone out quickly to assess the damage. They gave us a more than fair amount to take care of the damage and we received the check very quickly. We even heard from one of the roofers that he heard from others how great St. John’s was to deal with. They also have very reasonable rates.”
“They were the only company in Florida that I could find that would give me a fair price after all the hurricanes.”'s Final Review

We award St. John’s Insurance a final rating of 4.05 out of 5 stars. St. John’s has nearly two decades of experience in the insurance industry now and is very highly rated by the BBB. While the carrier has had a few complaints filed against it through the BBB in recent years, there are several glowing customer reviews spotted across the web as well. Customers can take advantage of several discount options on St. John’s insurance products. St. John’s provides modern services such as requesting quotes and a match with an agent feature on its website. We also love that the carrier works with independent insurance agents to provide their customers with the best insurance experience possible. Overall, if you live in an area where coverage is available and are in need of any of their products, we recommend looking into St. John’s Insurance with your independent insurance agent to be your next trusted carrier.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

©2022, Consumer Agent Portal, LLC. All rights reserved.