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Find Umbrella Insurance Agents Near You in Panama City, FL
Directory of umbrella insurance agents in Panama City, Florida. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
Panama City, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 19 umbrella insurance agents in Panama City, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
John Douglas Insurance & Financial Services
2217 St Andrews Blvd, Panama City, FL 32405
(850) 769-7785
johndouglasinsurance.com
Harry Grizzle Insurance
2104 W 23rd St, Panama City, FL 32405
(850) 598-0450
harrygrizzleinsurance.com
Peoples First Insurance
1022 W 23rd St Suite 250, Panama City, FL 32405
(850) 770-7047
pfinsurance.com
Ellis Agency Insurance
1134 Harrison Ave, Panama City, FL 32401
(850) 763-1627
ellisagency.net
Daffin Insurance Services
755 Harrison Ave, Panama City, FL 32401
(850) 769-8183
daffininsurance.com
Hutt Insurance Agency
3106 W 23rd St, Panama City, FL 32405
(850) 769-4888
huttinsurance.com
Acentria Insurance
501 W 11th St, Panama City, FL 32401
(850) 257-2990
acentria.com
Specialty Insurance Group
1143 Jenks Ave, Panama City, FL 32401
(850) 747-4959
specialtyinsgroup.net
A Action American Insurance
1106 Harrison Ave D, Panama City, FL 32401
(850) 872-0123
aactionamericaninsurance.net
Broward Hall Insurance
455 Harrison Ave ste d, Panama City, FL 32401
(850) 769-4828
browardhall.com
Hollomon Insurance Agency
2993 W 10th St, Panama City, FL 32401
(850) 872-8000
hollomoninsurance.com
Affordable Insurance Group of Panama City
2104 W 11th St, Panama City, FL 32401
(850) 769-5050
affordableinspc.com
Providence Risk Insurance LLC
5501 Cherry St, Panama City, FL 32404
(850) 785-3717
providenceriskinsurance.com
Tuggle Insurance Agency
754 Jenks Ave, Panama City, FL 32401
(850) 763-4606
tuggleinsurance.com
Blackwell Insurance
1109 Beck Ave, Panama City, FL 32401
(850) 769-2225
blackwellinsurance.net
Glen Frye Insurance Agency
1537 Jenks Ave, Panama City, FL 32405
(850) 872-0822
Renegade Insurance - Panama City
632 W 23rd St, Panama City, FL 32405
(850) 784-1688
renegadeinsurance.com
Well Spring Insurance LLC
1205 Hamilton Ave, Panama City, FL 32401
(850) 809-7214
We Insure Panama City - Chuck Bond & Vince Flavia
621 N Tyndall Pkwy B, Panama City, FL 32404
(850) 747-3001
weinsuregroup.com
Umbrella insurance agents in Panama City, Florida help you secure extra liability coverage that goes beyond your auto and homeowners policies. This is especially important in Florida because of the state's high rate of uninsured drivers and frequent hurricane-related claims. An umbrella policy can protect your savings and future income from large lawsuits or accident costs.
What Does a Umbrella Insurance Agent in Panama City Cost?
In Florida, umbrella insurance typically costs between 150 and 300 dollars per year for 1 million dollars in coverage. Costs increase with higher coverage limits or if you have multiple properties or vehicles. Factors like your driving record and claims history also affect the premium. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance agent in Panama City do?
An umbrella insurance agent helps you find a personal liability policy that covers claims above your existing home and auto limits. In Florida, this is useful because the state requires minimum auto liability of only 10,000 for property damage, which may not be enough in a serious accident.
How much umbrella coverage do I need in Florida?
Most agents recommend at least 1 million dollars in umbrella coverage for Florida residents. This amount can cover legal fees and settlements from incidents like a guest injury on your property or a car accident where you are at fault.
Do I need an umbrella policy if I have a homeowners policy in Panama City?
Yes, because standard homeowners policies in Florida have liability limits that may not cover a large claim. An umbrella policy adds an extra layer of protection, which is especially important in a coastal area where slip-and-fall lawsuits or dog bite claims can exceed your base policy limits.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.