Personal Insurance

Protect You, Your Family, and Your Assets

Life is a journey. Let us work with you to create a roadmap to best protect you and your family. 

As your life evolves, our process evolves with it. Our personal insurance team will develop a custom plan to protect your family. We deliver on our promise and put your plan into action.

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Home Insurance

Auto Insurance


Life Insurance

Long-Term Care



Umbrella Policies

Boat Insurance

Health Insurance

Providing Personal Insurance & Risk Management services for businesses in Putnam, St Johns, Flagler, and Clay Counties.

Personal Insurance Leaders

Our local agents are ready to assist you with all of your insurance & risk management needs!
Donna MacClellan

Donna MacClellan


Sonia Trujilo

Sonia Trujilo


Christy Lawrenson

Christy Lawrenson


LeighAnn King

LeighAnn King

Account Manager

Live Well, Work Well with BHF

Coping With Pandemic Financial Stress Many households were stressed about their finances before the pandemic, but the past year has remained just as challenging. As a result, many Americans are still financially stressed out, which can negatively impact their mental...

Why are my insurance rates going up?

To say the property insurance market in Florida is dramatically changing would be an understatement. There are new underwriting guidelines coming out on a regular basis, carriers dropping policies by the thousands, storms wreaking havoc on rates, litigation issues,...

Homeowners Insurance and the Rising Cost of Building Materials

Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber....

FEMA Unveils Changes to the National Flood Insurance Program

The Federal Emergency Management Agency (FEMA) announced that it will be updating the National Flood Insurance Program (NFIP) pricing methodology through a new risk rating system. According to FEMA, this system—which is being referred to as “Risk Rating 2.0”—will...

Personal Lines Insights

Life Purchasing Medication Online Ordering your prescriptions online and having them delivered right to your door can be convenient. That being said, purchasing medication online can also carry significant risk, and it’s important to take precautions to keep your...

Holiday Safety Insights

With the holidays in full swing, we wanted to provide you with some quick reminders - especially if you plan to travel over the break. How to Prevent Frostbite Being outdoors during winter months can expose you to cold weather conditions. Exposure to frigid...

Insurance for My Child in School

After a forced homeschool year and long summer of COVID, it’s time to rejoice - the start of the school year is here!  Moving up a grade, changing schools, or even heading off to college doesn't just mean changes for them — it means changes for you and most likely...

Cost of Boat Insurance in Northeast Florida

Many Northeast Florida boat owners worry about the cost of boat insurance.  In Florida, boat insurance is not required by law in Florida but the cost of not having adequate insurance can be potentially devastating. Also, it is important to note that most Florida...

Insuring a Valentine’s Day Proposal – And Beyond

Insuring a Valentine's Day Proposal - And Beyond   Are you practicing your proposal speech and picking out pants that are comfortable in the kneeling position? Valentine’s Day is the perfect setup for a romantic proposal, but you have more to think about than what...

What is Umbrella Insurance?

What if something or someone completely out of your control caused you extreme financial hardship? If an incident happened and exceeded your liability protection, you could end up owing millions of dollars in damages. Luckily, there is an inexpensive insurance policy...

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Palatka Office
3400 Crill Ave., Ste. 2
Palatka, Florida 32177

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One News Place, Suite D
St. Augustine, FL 32086