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Your Trusted Independent Insurance Agency in Jacksonville Beach, FL
Ocean State Insurance is an independent insurance agency proudly serving Jacksonville Beach, Florida and surrounding areas. With over 40 years of experience in the insurance industry, we specialize in providing personalized coverage solutions for both individuals and businesses. Our team of dedicated professionals works closely with clients to understand their unique needs, offering access to more than 100 insurance carriers to ensure comprehensive protection. We prioritize one-on-one service, ensuring clients receive tailored advice and support throughout the insurance process. Our local expertise enables us to address the specific risks faced by Floridians, including flood and earthquake coverage.We maintain strong relationships with top-rated insurance providers to deliver reliable protection against unforeseen events. Our commitment extends beyond policy saleswe strive to be a trusted partner in risk management and claims advocacy. Clients benefit from 24/7 claim reporting support and streamlined policy management through our online resources. We continuously evaluate industry challenges to provide innovative solutions that adapt to evolving client needs. Our mission remains focused on delivering exceptional service while helping clients protect their families, properties, and businesses with confidence.
Services
Auto Insurance
Homeowners Insurance
Commercial Property
Flood Insurance
Business Owners Policy
Motorcycle Insurance
Renters Insurance
Workers Compensation
Jewelry Floaters
Landlord Insurance
Highlights and features
- 40+ years of local insurance expertise in Jacksonville Beach
- Access to 100+ insurance carriers for optimal coverage options
- Personalized risk assessment and policy recommendations
- 24/7 claim reporting and dedicated claims support
- Specialized coverage for Florida-specific risks like floods
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting drivers against liability, collision, and uninsured motorists. Our policies include coverage for personal vehicles, collector cars, and specialty vehicles like ATVs. Clients benefit from competitive rates through our network of top-rated carriers while receiving personalized policy recommendations based on driving history and vehicle type.
Commercial Property
Our commercial property insurance safeguards businesses against property damage from fire, theft, and natural disasters. Coverage extends to buildings, equipment, inventory, and essential business documents. We offer tailored solutions for apartment complexes, auto dealerships, and specialized industries like woodworkers and jewelers through customizable policy options.
Flood Insurance
We specialize in flood insurance policies covering structural damage and personal property losses from flooding events. Our Florida-specific coverage addresses risks from hurricanes and seasonal storms, including basement flooding and sewer backups. Policies comply with National Flood Insurance Program standards while offering additional private market options for enhanced protection.
Business Owners Policy
Our Business Owners Policies combine property, liability, and business interruption coverage into cost-effective packages. These customizable policies protect small to mid-sized businesses against common risks while offering endorsements for specialized needs like equipment breakdowns and cyber liability. We serve diverse industries including restaurants, contractors, and professional service providers.
Homeowners Insurance
We offer comprehensive homeowners insurance protecting primary residences against perils like fire, wind damage, and vandalism. Policies include dwelling coverage, personal property protection, and liability insurance. We provide specialized options for manufactured homes, condominiums, and high-value properties with additional endorsements for earthquake and jewelry coverage.
People
Richard Clifford
Lead Agent
With extensive experience in independent insurance, Richard leads our team in delivering personalized coverage solutions to Jacksonville Beach residents and businesses.
Holly Tudor
Agent
Holly specializes in connecting clients with tailored insurance products, leveraging her local market knowledge to address specific coverage needs.
Trey Brooks III
Agent
Trey provides expert guidance on personal and commercial insurance options, focusing on comprehensive protection strategies for Florida property owners.
Cody Thompson
P&C Agent
Cody specializes in property and casualty insurance, helping clients navigate complex coverage decisions with clear, practical advice.
Questions
How do I get an insurance quote?
Request a free quote online through our website or call us at 904-246-1829 for personalized assistance with auto, home, or business insurance options.
What insurance services do you offer?
We provide personal insurance (auto, home, flood) and commercial insurance (BOP, property, liability) for clients across Northeast Florida.
How do I file a claim?
Report claims 24/7 using the contact number on your policy documents or call our office directly at 904-246-1829 for immediate assistance.
Do you serve businesses outside Jacksonville Beach?
Yes, we serve commercial clients in Gainesville, Lake City, Orange Park, St. Augustine, and surrounding Florida communities.
Can I manage my policy online?
Access policy management tools through our online support center for payment processing, document requests, and policy adjustments.
