The top-rated home insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 404 reviews. Other highly rated options include Jennifer Koppel - GEICO Insurance Agent, Harry Grizzle Insurance, Michael Lovchuk - State Farm Insurance Agent. This directory lists 33 home insurance agents serving Panama City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Douglas Insurance & Financial Services | 2217 St Andrews Blvd | (850) 769-7785 |
| 2 | Jennifer Koppel - GEICO Insurance Agent | 1314 N Tyndall Pkwy | (850) 785-0538 |
| 3 | Harry Grizzle Insurance | 2104 W 23rd St | (850) 598-0450 |
| 4 | Michael Lovchuk - State Farm Insurance Agent | 3477 FL-77 a | (850) 769-9919 |
| 5 | Acceptance Insurance | 609 E 23rd St | (850) 204-3793 |
| 6 | Peoples First Insurance | 1022 W 23rd St Suite 250 | (850) 770-7047 |
| 7 | Ellis Agency Insurance | 1134 Harrison Ave | (850) 763-1627 |
| 8 | St. Andrews Insurance Agency, Inc. | 1742 W W 15th St | (850) 785-2383 |
| 9 | Lori Pons - State Farm Insurance Agent | 429 S Tyndall Pkwy suite a | (850) 769-1617 |
| 10 | Freeway Insurance | 669 W 23rd St Unit 31 | (850) 204-3697 |
John Douglas Insurance & Financial Services provides comprehensive home insurance solutions for property owners in Panama City, Florida. The agency assists clients in selecting appropriate coverage plans, including options for dwelling protection and liability coverage. Maintenance guidance is offered to help policyholders safeguard their investments and prevent common property issues. The company supports clients through the claims process when unexpected damages occur. Their services extend to a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Jennifer Koppel - GEICO Insurance Agent serves homeowners in Panama City, FL, and the surrounding area. The agency provides home insurance policies designed to protect residences against common regional risks, such as storm damage and fire. Property coverage includes the physical structure, personal belongings, and liability protection for incidents on the premises. Standard options help with repairs or rebuilding after a claim. The business handles new homeowner policies and endorsement updates for property changes.
Harry Grizzle Insurance serves homeowners and property managers in Panama City, Florida, seeking protection for their residential properties. The agency assists clients in selecting coverage that safeguards dwellings against local weather risks and common liability concerns. Policies are tailored to meet individual needs for structure, contents, and additional living expenses. Each consultation helps clients understand deductibles and policy limits. The agency also extends its home insurance services to clients in the nearby community of Lynn Haven and throughout the surrounding Bay County metro area.
Michael Lovchuk, a State Farm Insurance Agent, serves clients in Panama City, Florida, and the surrounding communities of the Panhandle. This agency handles homeowner insurance policies, as well as related coverage options for personal property and liability protection. The agent works directly with each client to analyze specific property risks and existing coverage needs. For a typical job, the approach involves conducting a thorough review of the home and current policy, then presenting tailored policy options to close any gaps in protection.
Acceptance Insurance serves Panama City, Florida, and the surrounding communities, handling a full range of home insurance needs for local property owners. Their work includes protecting single-family homes, condominiums, and rental properties against common coastal risks. The agency helps clients review dwelling coverage, personal property limits, and liability protection. When processing a typical job, the agent carefully assesses each property’s location and specific hazards to recommend appropriate policy solutions based on individual circumstances.
Peoples First Insurance distinguishes between one-time policy adjustments and recurring annual reviews for home insurance coverage. In Panama City, FL, they help homeowners protect their property against common local risks like storms and flooding. Their services include assessing dwelling coverage and personal property protection. Service runs on an as-needed basis when clients request policy updates, though annual renewal consultations naturally follow a scheduled rhythm each year.
Ellis Agency Insurance provides specialized coverage options for homeowners in Panama City, FL, including policies tailored to protect against flood and wind damage. It offers standard home insurance services by helping clients secure dwelling, personal property, and liability protection. The agency focuses on explaining policy details and navigating different coverage levels to match individual needs. It assists with addressing concerns about hurricane season preparation and the sufficiency of existing coverage before storms arrive.
As hurricane season approaches the Gulf Coast, homeowners in Panama City must ensure their property insurance is adequate and current. St. Andrews Insurance Agency, Inc. provides guidance on policy options that address wind, flood, and storm-related damage specific to the region. This agency helps residents assess their coverage needs based on property age, construction type, and local risk factors. The process begins with a thorough review of the home’s structure and exposure, followed by a scheduled on-site inspection to verify its condition.
Lori Pons - State Farm Insurance Agent in Panama City, FL, assists homeowners with securing coverage for their property, safeguarding against risks like fire, theft, and weather damage. Policyholders can add valuable enhancements such as identity theft protection and personal liability coverage to customize their plan. The agency is equipped to serve a variety of commercial sectors, including local offices, warehouses, and food service businesses.
What Does a a Home Insurance Agent in Panama City Cost?
Home insurance in Panama City Florida typically costs between 1500 and 4000 dollars per year for a standard single family home. Premiums depend on factors like home age, roof condition, distance from the coast, and credit score. Windstorm coverage adds significant cost in Bay County. Flood insurance through the NFIP averages around 700 to 1200 dollars annually for most homes. This is general information and does not constitute insurance advice.
About home insurance agents in Panama City
Home insurance agents in Panama City Florida help property owners find coverage that meets state requirements and local risks. Florida law requires insurers to offer windstorm coverage for homes in coastal areas like Bay County. Agents can explain the difference between replacement cost and actual cash value policies for your Panama City home.
Frequently Asked Questions
What should I bring to meet a home insurance agent in Panama City?
Bring your current policy declaration page, home inspection report if available, and details about any recent renovations. The agent will also need your home square footage and year built to get accurate quotes from multiple carriers.
How does Florida law affect home insurance in Panama City?
Florida Statute 627.351 requires insurers to offer windstorm coverage through the Florida Hurricane Catastrophe Fund. Panama City homes must also have flood insurance if located in a FEMA flood zone. Agents can explain these requirements and help you comply.
Can a home insurance agent help with hurricane deductible options?
Yes. Florida law allows separate hurricane deductibles that are usually 2 percent to 5 percent of the home insured value. An agent can explain how these deductibles work and help you choose a percentage that fits your budget.
Home Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Bartow · Belle Glade · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Brooksville · Cape Coral · Casselberry · Clearwater · Clermont