Blog
Insurance isn’t always simple — but understanding it shouldn’t feel complicated. Here you’ll find straight-talk articles on protecting your home, your vehicles, and your business, written by the team that’s been serving Jacksonville for over 27 years. Whether you’re shopping for coverage, navigating a claim, or just trying to make sense of your policy, we’re here to help.
Living in Florida comes with its own unique set of risks. Hurricane season, rising flood zones, a complicated homeowners market, and an ever-changing regulatory environment mean that what worked for your neighbor in another state may not work for you here. That’s why we write with a local lens. You’ll find articles on topics like navigating Florida’s flood insurance options, understanding what your homeowners policy actually covers after a storm, what business owners need to know about general liability and workers’ compensation, and how to make sure your auto coverage keeps up with your life.
We add new content regularly, so whether you bookmark this page or follow us on social media, staying informed has never been easier. And if something you read sparks a question — or makes you wonder whether your current coverage is really doing its job — don’t hesitate to reach out. As an independent agency, we’re not tied to any single carrier. That means we shop the market on your behalf and find coverage that fits your needs and your budget, not ours.
Insurance is one of those things most people don’t think about until they need it. Our goal with this blog is to change that — to give you the knowledge to make confident decisions before something goes wrong. Browse the articles below, and when you’re ready to talk, we’re just a phone call away.
Florida Property Insurance Rates Are Finally Cooling — What It Means for Jacksonville
The quick version: Legal reforms, a quiet 2025 hurricane season, and abundant reinsurance capital have pushed rates down — many Florida insurers saw 15%–25% reinsurance reductions at their June 1 renewals. But Florida is still the most hurricane-exposed market in the world, so the relief is real but fragile. [...]
Why “Bundling” Home and Auto Works Differently in Florida — And How to Still Save
Florida doesn't bundle the way the commercials say. But that doesn't mean you have to leave savings on the table. By keeping your home and auto with one independent agency, you get multiple carriers competing for your business, one team in your corner, and discounts built for the real Florida market. [...]
Celebrating 28 Years: Thank You, Jacksonville
This year marks a milestone we are incredibly proud of: 28 years of protecting the families and businesses of Jacksonville and the surrounding communities. When Frye Insurance first opened its doors, we set out to do insurance differently — to treat every client like a neighbor, not a policy number. [...]
Commercial Insurance Rates Are Dropping — Here’s What That Means for Your Business
Something significant just happened in the commercial insurance market. According to the latest data from The Council of Insurance Agents & Brokers (CIAB), overall commercial P&C premiums declined by an average of 1.2% in Q1 2026 — the first decrease since the third quarter of 2017. After years of steep [...]
Frye Insurance and Olympus Insurance: Two Jacksonville Locals, One Powerful Partnership
Frye Insurance Agency and Olympus Insurance have formed a partnership to better serve Jacksonville, FL families and businesses with competitive, Florida-focused property and homeowners insurance coverage.
Hurricane Season 2026 Starts Today: What Florida Policyholders Need to Know
June 1 is here, and with it comes the official start of the 2026 Atlantic hurricane season. Whether you're a homeowner in Jacksonville, a commercial property owner on the First Coast, or a business with employees in the field — this is the time to pick up your policy and [...]