Southend Insurance helps families and business owners across Fernandina Beach and Northeast Florida find insurance that fits their lives and their budgets. We're based here, we live here, and we understand what it takes to protect a home, a boat or a business on the First Coast.
Who you'll work with
Southend Insurance is run by Trey Spencer (Richard L. Spencer III), a Florida-licensed insurance agent, license #W033239. Trey opened the agency in 2026 at 5317 S. Fletcher Ave., Suite 3, in Fernandina Beach.
You can verify Trey's license with the Florida Department of Financial Services licensee search.
Southend Insurance in Fernandina Beach is not affiliated with Southend Insurance Agency in West Palm Beach.
How we work
Insurance is a relationship business. We take time to understand what you're protecting, compare options on your behalf, and explain your coverage in plain language. When renewal comes around, we review your policy again so it keeps up with your life and with Florida's changing market.
What we insure
We write auto, homeowners, flood, condo, renters, boat and life insurance, along with business insurance for contractors, retailers, offices and service companies.
Where we help
Our office is at 5317 S. Fletcher Ave., Suite 3, Fernandina Beach, FL 32034. We serve Fernandina Beach, Amelia Island, Yulee, Callahan, Hilliard, Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra Beach, Orange Park and St. Augustine, along with the rest of Northeast Florida.