Your First Choice for Insurance


Protect what matters most with First Beaches Insurance


Contact an AgentCurrent Clients

About First Beaches Insurance

Reliable Insurance for You and Your Family

Everyone needs insurance. At First Beaches Insurance, we pride ourselves on being more than “just another” insurance agency. As an independent insurance agency locally owned and operated in Jacksonville Beach, Florida, we enjoy getting to know each of our customers personally. 

Here at First Beaches Insurance, it’s a family affair! Founded by his father, now owned and operated by George Garcia – with us you are treated like family.

Your First Call for all your Insurance Needs

Insurance Policy Reviews

First Beaches Insurance has the knowledge and expertise to evaluate your current insurance policies to make sure they properly meet your needs.

Home Insurance

You need a homeowners policy that will help you recover if a disaster damages or destroys your home and your belongings.

Boat Insurance

We partner with several top insurers to provide reliable coverage for boats and other watercraft.

Flood Insurance

Damage and loss due to flood or water damage is not typically included in homeowners insurance, so we recommend that area residents get flood insurance

Auto Insurance

Low-cost car insurance coverage options could end up costing you a lot of money in the event of an accident. We find the right auto insurance at the right price

Umbrella Insurance

While primary insurance coverage such as auto and homeowners insurance is important for you to carry, they might not be enough to fully cover you


What People are Saying

“Make it Easy!”

The entire First Beaches Insurance team has been great to work with. They are very responsive and make it easy to find and switch insurance policies for homeowners and auto. I have used them for many years and am appreciative for all their help…. I highly recommend them if you are in the market for insurance.

Brandon C

“Direct & Honest”

My experience is with George. He was professional and quick during the quoting process. He was direct and honest about pricing which happened to be very competitive. He also takes the time to teach you the common pitfalls of insurance products out there and how to avoid them. I would highly recommend you meet with First Beaches Insurance if you are considering changing anything regarding insurance.

Shane H


George and his Team have done an outstanding job in helping my family find and understand what is the best insurance for our needs. Prompt and professional, helpful, and informative. thanks, George and Team!


“A pleasure”

George has been wonderful to work with: extremely professional and responsive and saved me over $300 per policy per year. I highly recommend First Beaches Insurance! Thanks again, George- was a pleasure!

Alissa S

The Ultimate Guide to ATV/Motorcycle Insurance and Safety

Riding an ATV or motorcycle is an exhilarating experience. The wind in your hair, the open road ahead, the sheer sense of freedom; it's truly unbeatable. However, with these thrills come significant risks, making the need for proper insurance and safety measures...

Relocating to Florida? Here’s What You Need to Know to Protect Yourself

Florida, often referred to as the "Sunshine State," is not just known for its warm climate and beautiful beaches but also for its diverse culture and vibrant economy. If you are planning a move to Florida, it's important to remember that there are a few lifestyle...

What Insureds Need to Know About Insurance and Hurricanes

As hurricane season approaches, it’s important for insureds to understand the basics of insurance and how it can protect them in the event of a major storm. While hurricanes can cause catastrophic damage, having an adequate insurance policy in place will ensure that...

Protect Your Home from Unpredictable Floods and Water Damage

Floods can be a devastating event for homeowners, causing thousands of dollars in damages and creating an enormous amount of stress. Unfortunately, floods are often unpredictable and can occur without warning. Fortunately, there are steps you can take to protect your...

Basics on Insuring Your Golf Cart and Street Legal Golf Carts in Florida

What’s the difference between a Golf Cart and a Street Legal Golf Cart, also known as a (LSV)? The major difference: one requires insurance, and the other doesn’t. Here in Florida, golf cart insurance isn’t mandatory. It’s a different story for street-legal golf...

Securing Your Coastal Small Business: The Benefits of Investing in Insurance

Running a small business is hard work. From managing employees to dealing with customers and suppliers, there are so many things to keep track of that it can be overwhelming. One of the most important things for any small business owner to consider is insurance – not...

The Types of Insurance Every Business Needs

How to Get Affordable Protection for Your Small Business Having the right property and casualty insurance is essential for any small business. It can provide financial protection in case of an accident, theft, or another unforeseen event, allowing you to continue...

The Essential Guide to Boat Insurance: What You Need to Know Before Purchasing Coverage

When you own a boat, it's important to make sure that your investment is properly protected. Boat insurance can provide financial protection in an accident or other unforeseen circumstance. But before you purchase boat insurance coverage, there are some essential...

Property Insurance Reform in Florida: Understanding the Impact of SB-2A On Homeowners

With the passage of Senate Bill 2A in 2022, Florida homeowners will face a new reality when it comes to property insurance. The bill seeks to reform the state's current system of providing coverage for residential properties by introducing a number of changes and...

The Ultimate Guide to Manage Your Holiday Risks

As this holiday season approaches, we understand the fatigue you may be feeling.  For the past three seasons, we've been inundated with so many lists of what to do and what not to do; it's almost comical yet unbearable at the same time.  But we know the season comes...

Hours of Operation

8:30am – 4:30pm

*Closed for lunch Noon - 1pm

We are closed

Contact Us

Let us know if you have any questions!